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$53,724
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,395
−HK$1,698/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,567
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,767
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,370
−HK$1,626/mo
Today · 4.125%
HK$62,996
baseline
▲ 0.50% · 4.625%
HK$66,317
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,992/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,468
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,474
−HK$2,037/mo
Today · 4.125%
HK$68,511
baseline
▲ 0.50% · 4.625%
HK$72,680
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,022/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,721
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,644
−HK$1,951/mo
Today · 4.125%
HK$75,595
baseline
▲ 0.50% · 4.625%
HK$79,580
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,190/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,213
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,553
−HK$2,377/mo
Today · 4.125%
HK$79,930
baseline
▲ 0.50% · 4.625%
HK$84,793
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,860/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,674
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,918
−HK$2,277/mo
Today · 4.125%
HK$88,195
baseline
▲ 0.50% · 4.625%
HK$92,843
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,390/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,703
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,711
−HK$3,056/mo
Today · 4.125%
HK$102,767
baseline
▲ 0.50% · 4.625%
HK$109,020
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,534/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,581
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,466
−HK$2,927/mo
Today · 4.125%
HK$113,393
baseline
▲ 0.50% · 4.625%
HK$119,370
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,786/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,317 · Scale 2, in force from 26 Feb 2026)