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$53,815
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,701/mo
Today · 4.125%
HK$57,190
baseline
▲ 0.50% · 4.625%
HK$60,670
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,380/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,869
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,629/mo
Today · 4.125%
HK$63,104
baseline
▲ 0.50% · 4.625%
HK$66,430
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,208/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,579
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,587
−HK$2,041/mo
Today · 4.125%
HK$68,628
baseline
▲ 0.50% · 4.625%
HK$72,804
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,256/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,843
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,770
−HK$1,954/mo
Today · 4.125%
HK$75,724
baseline
▲ 0.50% · 4.625%
HK$79,716
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,448/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,342
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,685
−HK$2,381/mo
Today · 4.125%
HK$80,066
baseline
▲ 0.50% · 4.625%
HK$84,938
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,132/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,817
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,065
−HK$2,280/mo
Today · 4.125%
HK$88,345
baseline
▲ 0.50% · 4.625%
HK$93,002
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,690/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,868
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,881
−HK$3,061/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$109,206
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,765
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,655
−HK$2,932/mo
Today · 4.125%
HK$113,587
baseline
▲ 0.50% · 4.625%
HK$119,574
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,174/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,027 · Scale 2, in force from 26 Feb 2026)