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$53,908
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,585
−HK$1,704/mo
Today · 4.125%
HK$57,289
baseline
▲ 0.50% · 4.625%
HK$60,775
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,578/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,972
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,581
−HK$1,632/mo
Today · 4.125%
HK$63,213
baseline
▲ 0.50% · 4.625%
HK$66,545
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,426/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,690
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$2,045/mo
Today · 4.125%
HK$68,747
baseline
▲ 0.50% · 4.625%
HK$72,930
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,494/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,967
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,897
−HK$1,958/mo
Today · 4.125%
HK$75,855
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,710/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,472
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,819
−HK$2,385/mo
Today · 4.125%
HK$80,204
baseline
▲ 0.50% · 4.625%
HK$85,085
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,408/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,961
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,213
−HK$2,285/mo
Today · 4.125%
HK$88,498
baseline
▲ 0.50% · 4.625%
HK$93,163
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,996/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,035
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,053
−HK$3,067/mo
Today · 4.125%
HK$103,120
baseline
▲ 0.50% · 4.625%
HK$109,395
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,240/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,950
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,846
−HK$2,937/mo
Today · 4.125%
HK$113,783
baseline
▲ 0.50% · 4.625%
HK$119,780
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,566/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,758 · Scale 2, in force from 26 Feb 2026)