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$53,718
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,698/mo
Today · 4.125%
HK$57,087
baseline
▲ 0.50% · 4.625%
HK$60,560
+HK$3,473/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,174/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,761
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,364
−HK$1,626/mo
Today · 4.125%
HK$62,990
baseline
▲ 0.50% · 4.625%
HK$66,310
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,980/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,462
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,467
−HK$2,037/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,673
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,713
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,637
−HK$1,951/mo
Today · 4.125%
HK$75,588
baseline
▲ 0.50% · 4.625%
HK$79,572
+HK$3,984/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,176/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,206
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,545
−HK$2,377/mo
Today · 4.125%
HK$79,922
baseline
▲ 0.50% · 4.625%
HK$84,785
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,844/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,665
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,909
−HK$2,277/mo
Today · 4.125%
HK$88,186
baseline
▲ 0.50% · 4.625%
HK$92,834
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,372/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,693
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,701
−HK$3,055/mo
Today · 4.125%
HK$102,756
baseline
▲ 0.50% · 4.625%
HK$109,009
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,512/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,570
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,455
−HK$2,926/mo
Today · 4.125%
HK$113,381
baseline
▲ 0.50% · 4.625%
HK$119,358
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,762/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,215 · Scale 2, in force from 26 Feb 2026)