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$53,856
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,531
−HK$1,702/mo
Today · 4.125%
HK$57,233
baseline
▲ 0.50% · 4.625%
HK$60,716
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,466/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,914
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,521
−HK$1,630/mo
Today · 4.125%
HK$63,151
baseline
▲ 0.50% · 4.625%
HK$66,480
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,302/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,627
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$2,042/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,859
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,897
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,825
−HK$1,957/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$79,776
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,399
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,744
−HK$2,383/mo
Today · 4.125%
HK$80,127
baseline
▲ 0.50% · 4.625%
HK$85,002
+HK$4,875/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,254/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,880
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,130
−HK$2,282/mo
Today · 4.125%
HK$88,412
baseline
▲ 0.50% · 4.625%
HK$93,072
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,824/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,941
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,956
−HK$3,064/mo
Today · 4.125%
HK$103,020
baseline
▲ 0.50% · 4.625%
HK$109,289
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,040/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,846
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,738
−HK$2,934/mo
Today · 4.125%
HK$113,672
baseline
▲ 0.50% · 4.625%
HK$119,664
+HK$5,992/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,344/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,784 · Scale 2, in force from 26 Feb 2026)