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$53,899
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,704/mo
Today · 4.125%
HK$57,279
baseline
▲ 0.50% · 4.625%
HK$60,764
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,558/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,962
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,570
−HK$1,631/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$66,533
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,678
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$2,044/mo
Today · 4.125%
HK$68,734
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$4,183/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,468/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,954
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,884
−HK$1,958/mo
Today · 4.125%
HK$75,842
baseline
▲ 0.50% · 4.625%
HK$79,839
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,684/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,458
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,385/mo
Today · 4.125%
HK$80,190
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,380/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,947
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,198
−HK$2,284/mo
Today · 4.125%
HK$88,482
baseline
▲ 0.50% · 4.625%
HK$93,146
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,964/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,018
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,036
−HK$3,066/mo
Today · 4.125%
HK$103,102
baseline
▲ 0.50% · 4.625%
HK$109,375
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,204/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,931
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,826
−HK$2,936/mo
Today · 4.125%
HK$113,762
baseline
▲ 0.50% · 4.625%
HK$119,759
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,524/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,579 · Scale 2, in force from 26 Feb 2026)