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$53,801
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,700/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,628/mo
Today · 4.125%
HK$63,087
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,174/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,570
−HK$2,040/mo
Today · 4.125%
HK$68,610
baseline
▲ 0.50% · 4.625%
HK$72,785
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,220/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,824
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,751
−HK$1,954/mo
Today · 4.125%
HK$75,705
baseline
▲ 0.50% · 4.625%
HK$79,695
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,410/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,322
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,380/mo
Today · 4.125%
HK$80,045
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,090/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,042
−HK$2,280/mo
Today · 4.125%
HK$88,322
baseline
▲ 0.50% · 4.625%
HK$92,978
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,644/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,843
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,855
−HK$3,060/mo
Today · 4.125%
HK$102,915
baseline
▲ 0.50% · 4.625%
HK$109,178
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,830/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,736
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,626
−HK$2,931/mo
Today · 4.125%
HK$113,557
baseline
▲ 0.50% · 4.625%
HK$119,543
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,114/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,765 · Scale 2, in force from 26 Feb 2026)