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$53,743
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,414
−HK$1,699/mo
Today · 4.125%
HK$57,113
baseline
▲ 0.50% · 4.625%
HK$60,588
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,226/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,788
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,392
−HK$1,626/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,340
+HK$3,322/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$2,038/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,706
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,746
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$1,952/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,240
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,580
−HK$2,378/mo
Today · 4.125%
HK$79,958
baseline
▲ 0.50% · 4.625%
HK$84,823
+HK$4,865/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,916/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,703
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,948
−HK$2,278/mo
Today · 4.125%
HK$88,226
baseline
▲ 0.50% · 4.625%
HK$92,876
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,452/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,737
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,746
−HK$3,057/mo
Today · 4.125%
HK$102,803
baseline
▲ 0.50% · 4.625%
HK$109,058
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,606/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,619
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,505
−HK$2,928/mo
Today · 4.125%
HK$113,433
baseline
▲ 0.50% · 4.625%
HK$119,412
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,866/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,670 · Scale 2, in force from 26 Feb 2026)