The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$53,901
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,578
−HK$1,703/mo
Today · 4.125%
HK$57,281
baseline
▲ 0.50% · 4.625%
HK$60,767
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,562/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,965
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,631/mo
Today · 4.125%
HK$63,204
baseline
▲ 0.50% · 4.625%
HK$66,536
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,408/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,681
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,693
−HK$2,045/mo
Today · 4.125%
HK$68,738
baseline
▲ 0.50% · 4.625%
HK$72,920
+HK$4,182/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,476/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,957
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,887
−HK$1,958/mo
Today · 4.125%
HK$75,845
baseline
▲ 0.50% · 4.625%
HK$79,843
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,690/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,462
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,809
−HK$2,385/mo
Today · 4.125%
HK$80,194
baseline
▲ 0.50% · 4.625%
HK$85,073
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,388/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,950
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,202
−HK$2,284/mo
Today · 4.125%
HK$88,486
baseline
▲ 0.50% · 4.625%
HK$93,150
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,972/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,022
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,040
−HK$3,066/mo
Today · 4.125%
HK$103,106
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$6,274/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,212/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,936
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$2,937/mo
Today · 4.125%
HK$113,768
baseline
▲ 0.50% · 4.625%
HK$119,764
+HK$5,996/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,536/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,625 · Scale 2, in force from 26 Feb 2026)