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$53,857
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,532
−HK$1,702/mo
Today · 4.125%
HK$57,234
baseline
▲ 0.50% · 4.625%
HK$60,717
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,468/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,522
−HK$1,630/mo
Today · 4.125%
HK$63,152
baseline
▲ 0.50% · 4.625%
HK$66,481
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,304/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$2,043/mo
Today · 4.125%
HK$68,681
baseline
▲ 0.50% · 4.625%
HK$72,860
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,362/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,898
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,826
−HK$1,957/mo
Today · 4.125%
HK$75,783
baseline
▲ 0.50% · 4.625%
HK$79,777
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,566/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,399
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,745
−HK$2,383/mo
Today · 4.125%
HK$80,128
baseline
▲ 0.50% · 4.625%
HK$85,003
+HK$4,875/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,256/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,881
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,131
−HK$2,282/mo
Today · 4.125%
HK$88,413
baseline
▲ 0.50% · 4.625%
HK$93,073
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,826/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,942
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,958
−HK$3,063/mo
Today · 4.125%
HK$103,021
baseline
▲ 0.50% · 4.625%
HK$109,290
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,042/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,847
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,740
−HK$2,934/mo
Today · 4.125%
HK$113,674
baseline
▲ 0.50% · 4.625%
HK$119,666
+HK$5,992/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,348/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,797 · Scale 2, in force from 26 Feb 2026)