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$53,749
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,421
−HK$1,698/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,595
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,795
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,399
−HK$1,626/mo
Today · 4.125%
HK$63,025
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,050/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,499
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,505
−HK$2,038/mo
Today · 4.125%
HK$68,543
baseline
▲ 0.50% · 4.625%
HK$72,714
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,086/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,754
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,678
−HK$1,953/mo
Today · 4.125%
HK$75,631
baseline
▲ 0.50% · 4.625%
HK$79,617
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,262/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,248
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,589
−HK$2,378/mo
Today · 4.125%
HK$79,967
baseline
▲ 0.50% · 4.625%
HK$84,833
+HK$4,866/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,934/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,713
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,958
−HK$2,278/mo
Today · 4.125%
HK$88,236
baseline
▲ 0.50% · 4.625%
HK$92,887
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,472/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,748
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,757
−HK$3,058/mo
Today · 4.125%
HK$102,815
baseline
▲ 0.50% · 4.625%
HK$109,071
+HK$6,256/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,630/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,631
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,518
−HK$2,928/mo
Today · 4.125%
HK$113,446
baseline
▲ 0.50% · 4.625%
HK$119,426
+HK$5,980/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,892/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,784 · Scale 2, in force from 26 Feb 2026)