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$53,888
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,564
−HK$1,703/mo
Today · 4.125%
HK$57,267
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,484/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,534/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,557
−HK$1,631/mo
Today · 4.125%
HK$63,188
baseline
▲ 0.50% · 4.625%
HK$66,519
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,376/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,665
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,676
−HK$2,044/mo
Today · 4.125%
HK$68,720
baseline
▲ 0.50% · 4.625%
HK$72,902
+HK$4,182/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,440/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,939
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,869
−HK$1,957/mo
Today · 4.125%
HK$75,826
baseline
▲ 0.50% · 4.625%
HK$79,823
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,652/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,443
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,789
−HK$2,384/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$85,052
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,929
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,180
−HK$2,284/mo
Today · 4.125%
HK$88,464
baseline
▲ 0.50% · 4.625%
HK$93,127
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,928/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,998
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$3,065/mo
Today · 4.125%
HK$103,080
baseline
▲ 0.50% · 4.625%
HK$109,352
+HK$6,272/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,160/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,909
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,803
−HK$2,936/mo
Today · 4.125%
HK$113,739
baseline
▲ 0.50% · 4.625%
HK$119,734
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,478/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,370 · Scale 2, in force from 26 Feb 2026)