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$53,769
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,441
−HK$1,700/mo
Today · 4.125%
HK$57,141
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,477/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,282/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,817
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,422
−HK$1,627/mo
Today · 4.125%
HK$63,049
baseline
▲ 0.50% · 4.625%
HK$66,373
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,098/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,523
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,530
−HK$2,039/mo
Today · 4.125%
HK$68,569
baseline
▲ 0.50% · 4.625%
HK$72,741
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,138/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,781
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,706
−HK$1,953/mo
Today · 4.125%
HK$75,659
baseline
▲ 0.50% · 4.625%
HK$79,647
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,318/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,277
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,618
−HK$2,379/mo
Today · 4.125%
HK$79,997
baseline
▲ 0.50% · 4.625%
HK$84,865
+HK$4,868/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$159,994/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,744
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,990
−HK$2,279/mo
Today · 4.125%
HK$88,269
baseline
▲ 0.50% · 4.625%
HK$92,922
+HK$4,653/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,538/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,784
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,795
−HK$3,058/mo
Today · 4.125%
HK$102,853
baseline
▲ 0.50% · 4.625%
HK$109,112
+HK$6,259/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,706/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,671
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,559
−HK$2,930/mo
Today · 4.125%
HK$113,489
baseline
▲ 0.50% · 4.625%
HK$119,471
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,978/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,160 · Scale 2, in force from 26 Feb 2026)