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$53,824
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,498
−HK$1,701/mo
Today · 4.125%
HK$57,199
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,398/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,879
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,629/mo
Today · 4.125%
HK$63,114
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,228/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,589
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,598
−HK$2,041/mo
Today · 4.125%
HK$68,639
baseline
▲ 0.50% · 4.625%
HK$72,816
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,278/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,855
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,782
−HK$1,955/mo
Today · 4.125%
HK$75,737
baseline
▲ 0.50% · 4.625%
HK$79,729
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,474/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,354
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,698
−HK$2,381/mo
Today · 4.125%
HK$80,079
baseline
▲ 0.50% · 4.625%
HK$84,952
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,158/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,830
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,079
−HK$2,280/mo
Today · 4.125%
HK$88,359
baseline
▲ 0.50% · 4.625%
HK$93,017
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,718/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,883
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,897
−HK$3,062/mo
Today · 4.125%
HK$102,959
baseline
▲ 0.50% · 4.625%
HK$109,224
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,918/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,782
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,672
−HK$2,933/mo
Today · 4.125%
HK$113,605
baseline
▲ 0.50% · 4.625%
HK$119,593
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,210/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,188 · Scale 2, in force from 26 Feb 2026)