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$53,850
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,702/mo
Today · 4.125%
HK$57,227
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,454/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,907
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,630/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,472
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,620
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,630
−HK$2,042/mo
Today · 4.125%
HK$68,672
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$4,178/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,344/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,889
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,817
−HK$1,956/mo
Today · 4.125%
HK$75,773
baseline
▲ 0.50% · 4.625%
HK$79,767
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,546/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,390
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,735
−HK$2,382/mo
Today · 4.125%
HK$80,117
baseline
▲ 0.50% · 4.625%
HK$84,992
+HK$4,875/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,234/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,870
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,120
−HK$2,282/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,061
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,930
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,945
−HK$3,063/mo
Today · 4.125%
HK$103,008
baseline
▲ 0.50% · 4.625%
HK$109,276
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,016/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,833
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,725
−HK$2,934/mo
Today · 4.125%
HK$113,659
baseline
▲ 0.50% · 4.625%
HK$119,650
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,318/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,666 · Scale 2, in force from 26 Feb 2026)