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$53,797
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,470
−HK$1,701/mo
Today · 4.125%
HK$57,171
baseline
▲ 0.50% · 4.625%
HK$60,649
+HK$3,478/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,342/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,849
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,454
−HK$1,628/mo
Today · 4.125%
HK$63,082
baseline
▲ 0.50% · 4.625%
HK$66,407
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,164/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,556
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,564
−HK$2,041/mo
Today · 4.125%
HK$68,605
baseline
▲ 0.50% · 4.625%
HK$72,779
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,210/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,818
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,744
−HK$1,954/mo
Today · 4.125%
HK$75,698
baseline
▲ 0.50% · 4.625%
HK$79,689
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,396/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,316
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,659
−HK$2,380/mo
Today · 4.125%
HK$80,039
baseline
▲ 0.50% · 4.625%
HK$84,909
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,078/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,788
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,280/mo
Today · 4.125%
HK$88,315
baseline
▲ 0.50% · 4.625%
HK$92,970
+HK$4,655/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,630/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,835
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,847
−HK$3,060/mo
Today · 4.125%
HK$102,907
baseline
▲ 0.50% · 4.625%
HK$109,169
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,814/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,727
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,617
−HK$2,931/mo
Today · 4.125%
HK$113,548
baseline
▲ 0.50% · 4.625%
HK$119,533
+HK$5,985/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,096/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,682 · Scale 2, in force from 26 Feb 2026)