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$53,774
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,447
−HK$1,699/mo
Today · 4.125%
HK$57,146
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,478/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,292/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,823
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,627/mo
Today · 4.125%
HK$63,055
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,110/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,529
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,536
−HK$2,040/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,748
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,788
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,713
−HK$1,954/mo
Today · 4.125%
HK$75,667
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,334/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,284
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,626
−HK$2,379/mo
Today · 4.125%
HK$80,005
baseline
▲ 0.50% · 4.625%
HK$84,873
+HK$4,868/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$160,010/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,753
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,999
−HK$2,279/mo
Today · 4.125%
HK$88,278
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$4,653/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,556/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,794
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,805
−HK$3,059/mo
Today · 4.125%
HK$102,864
baseline
▲ 0.50% · 4.625%
HK$109,123
+HK$6,259/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,728/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,682
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,570
−HK$2,930/mo
Today · 4.125%
HK$113,500
baseline
▲ 0.50% · 4.625%
HK$119,483
+HK$5,983/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$227,000/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,259 · Scale 2, in force from 26 Feb 2026)