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$53,712
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,382
−HK$1,698/mo
Today · 4.125%
HK$57,080
baseline
▲ 0.50% · 4.625%
HK$60,553
+HK$3,473/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,160/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,754
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,356
−HK$1,626/mo
Today · 4.125%
HK$62,982
baseline
▲ 0.50% · 4.625%
HK$66,302
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,964/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,454
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,459
−HK$2,037/mo
Today · 4.125%
HK$68,496
baseline
▲ 0.50% · 4.625%
HK$72,664
+HK$4,168/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,992/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,704
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,628
−HK$1,950/mo
Today · 4.125%
HK$75,578
baseline
▲ 0.50% · 4.625%
HK$79,562
+HK$3,984/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,156/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,196
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,377/mo
Today · 4.125%
HK$79,912
baseline
▲ 0.50% · 4.625%
HK$84,774
+HK$4,862/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,824/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,655
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,899
−HK$2,276/mo
Today · 4.125%
HK$88,175
baseline
▲ 0.50% · 4.625%
HK$92,823
+HK$4,648/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,350/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,681
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,688
−HK$3,056/mo
Today · 4.125%
HK$102,744
baseline
▲ 0.50% · 4.625%
HK$108,996
+HK$6,252/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,488/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,557
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,441
−HK$2,927/mo
Today · 4.125%
HK$113,368
baseline
▲ 0.50% · 4.625%
HK$119,343
+HK$5,975/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,736/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,093 · Scale 2, in force from 26 Feb 2026)