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$53,831
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,505
−HK$1,701/mo
Today · 4.125%
HK$57,206
baseline
▲ 0.50% · 4.625%
HK$60,687
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,412/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,886
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,492
−HK$1,630/mo
Today · 4.125%
HK$63,122
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,244/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,597
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,606
−HK$2,042/mo
Today · 4.125%
HK$68,648
baseline
▲ 0.50% · 4.625%
HK$72,825
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,296/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,863
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,791
−HK$1,955/mo
Today · 4.125%
HK$75,746
baseline
▲ 0.50% · 4.625%
HK$79,739
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,492/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,363
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,707
−HK$2,382/mo
Today · 4.125%
HK$80,089
baseline
▲ 0.50% · 4.625%
HK$84,962
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,178/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,841
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,089
−HK$2,281/mo
Today · 4.125%
HK$88,370
baseline
▲ 0.50% · 4.625%
HK$93,028
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,740/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,895
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,909
−HK$3,063/mo
Today · 4.125%
HK$102,972
baseline
▲ 0.50% · 4.625%
HK$109,237
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,944/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,795
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,686
−HK$2,933/mo
Today · 4.125%
HK$113,619
baseline
▲ 0.50% · 4.625%
HK$119,608
+HK$5,989/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,238/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,312 · Scale 2, in force from 26 Feb 2026)