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$53,738
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,409
−HK$1,699/mo
Today · 4.125%
HK$57,108
baseline
▲ 0.50% · 4.625%
HK$60,582
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,216/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,783
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,386
−HK$1,627/mo
Today · 4.125%
HK$63,013
baseline
▲ 0.50% · 4.625%
HK$66,334
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,026/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,485
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,491
−HK$2,038/mo
Today · 4.125%
HK$68,529
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,058/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,739
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,663
−HK$1,952/mo
Today · 4.125%
HK$75,615
baseline
▲ 0.50% · 4.625%
HK$79,601
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,230/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,233
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,573
−HK$2,378/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,815
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,696
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,940
−HK$2,278/mo
Today · 4.125%
HK$88,218
baseline
▲ 0.50% · 4.625%
HK$92,868
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,436/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,728
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,737
−HK$3,057/mo
Today · 4.125%
HK$102,794
baseline
▲ 0.50% · 4.625%
HK$109,048
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,588/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,609
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,495
−HK$2,928/mo
Today · 4.125%
HK$113,423
baseline
▲ 0.50% · 4.625%
HK$119,401
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,846/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,577 · Scale 2, in force from 26 Feb 2026)