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$53,772
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,445
−HK$1,699/mo
Today · 4.125%
HK$57,144
baseline
▲ 0.50% · 4.625%
HK$60,621
+HK$3,477/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,288/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,628/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,377
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,527
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$2,039/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,746
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,785
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$1,954/mo
Today · 4.125%
HK$75,664
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,328/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,281
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,623
−HK$2,379/mo
Today · 4.125%
HK$80,002
baseline
▲ 0.50% · 4.625%
HK$84,870
+HK$4,868/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$160,004/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,749
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,996
−HK$2,278/mo
Today · 4.125%
HK$88,274
baseline
▲ 0.50% · 4.625%
HK$92,927
+HK$4,653/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,548/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,790
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,801
−HK$3,059/mo
Today · 4.125%
HK$102,860
baseline
▲ 0.50% · 4.625%
HK$109,118
+HK$6,258/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,720/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,678
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,566
−HK$2,929/mo
Today · 4.125%
HK$113,495
baseline
▲ 0.50% · 4.625%
HK$119,478
+HK$5,983/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,990/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,220 · Scale 2, in force from 26 Feb 2026)