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$53,736
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,698/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,385
−HK$1,626/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,333
+HK$3,322/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,490
−HK$2,037/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,697
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,738
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,662
−HK$1,951/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,231
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,378/mo
Today · 4.125%
HK$79,949
baseline
▲ 0.50% · 4.625%
HK$84,813
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,898/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,694
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,938
−HK$2,278/mo
Today · 4.125%
HK$88,216
baseline
▲ 0.50% · 4.625%
HK$92,866
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,432/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,726
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,734
−HK$3,057/mo
Today · 4.125%
HK$102,791
baseline
▲ 0.50% · 4.625%
HK$109,046
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,582/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,606
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,492
−HK$2,928/mo
Today · 4.125%
HK$113,420
baseline
▲ 0.50% · 4.625%
HK$119,399
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,840/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,555 · Scale 2, in force from 26 Feb 2026)