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$53,740
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,699/mo
Today · 4.125%
HK$57,110
baseline
▲ 0.50% · 4.625%
HK$60,585
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,220/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,785
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,388
−HK$1,627/mo
Today · 4.125%
HK$63,015
baseline
▲ 0.50% · 4.625%
HK$66,337
+HK$3,322/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,030/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,488
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,494
−HK$2,038/mo
Today · 4.125%
HK$68,532
baseline
▲ 0.50% · 4.625%
HK$72,702
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,064/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,742
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,666
−HK$1,952/mo
Today · 4.125%
HK$75,618
baseline
▲ 0.50% · 4.625%
HK$79,604
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,236/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,236
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,576
−HK$2,378/mo
Today · 4.125%
HK$79,954
baseline
▲ 0.50% · 4.625%
HK$84,819
+HK$4,865/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,908/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,699
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,944
−HK$2,277/mo
Today · 4.125%
HK$88,221
baseline
▲ 0.50% · 4.625%
HK$92,871
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,442/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,732
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,740
−HK$3,058/mo
Today · 4.125%
HK$102,798
baseline
▲ 0.50% · 4.625%
HK$109,053
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,596/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,613
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,499
−HK$2,928/mo
Today · 4.125%
HK$113,427
baseline
▲ 0.50% · 4.625%
HK$119,406
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,854/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,616 · Scale 2, in force from 26 Feb 2026)