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$53,768
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,441
−HK$1,699/mo
Today · 4.125%
HK$57,140
baseline
▲ 0.50% · 4.625%
HK$60,617
+HK$3,477/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,280/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,817
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,421
−HK$1,627/mo
Today · 4.125%
HK$63,048
baseline
▲ 0.50% · 4.625%
HK$66,372
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,096/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,522
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,529
−HK$2,039/mo
Today · 4.125%
HK$68,568
baseline
▲ 0.50% · 4.625%
HK$72,740
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,136/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,780
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,705
−HK$1,953/mo
Today · 4.125%
HK$75,658
baseline
▲ 0.50% · 4.625%
HK$79,646
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,316/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,276
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,617
−HK$2,379/mo
Today · 4.125%
HK$79,996
baseline
▲ 0.50% · 4.625%
HK$84,864
+HK$4,868/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$159,992/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,989
−HK$2,279/mo
Today · 4.125%
HK$88,268
baseline
▲ 0.50% · 4.625%
HK$92,921
+HK$4,653/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,536/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,783
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,793
−HK$3,059/mo
Today · 4.125%
HK$102,852
baseline
▲ 0.50% · 4.625%
HK$109,110
+HK$6,258/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,704/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,670
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,558
−HK$2,929/mo
Today · 4.125%
HK$113,487
baseline
▲ 0.50% · 4.625%
HK$119,469
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,974/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,148 · Scale 2, in force from 26 Feb 2026)