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$53,754
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,698/mo
Today · 4.125%
HK$57,125
baseline
▲ 0.50% · 4.625%
HK$60,601
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,250/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,801
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,405
−HK$1,627/mo
Today · 4.125%
HK$63,032
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,064/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,505
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,512
−HK$2,038/mo
Today · 4.125%
HK$68,550
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,100/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,762
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,686
−HK$1,953/mo
Today · 4.125%
HK$75,639
baseline
▲ 0.50% · 4.625%
HK$79,626
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,278/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,256
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,597
−HK$2,378/mo
Today · 4.125%
HK$79,975
baseline
▲ 0.50% · 4.625%
HK$84,842
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,950/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,722
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,967
−HK$2,278/mo
Today · 4.125%
HK$88,245
baseline
▲ 0.50% · 4.625%
HK$92,897
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,490/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,758
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,768
−HK$3,058/mo
Today · 4.125%
HK$102,826
baseline
▲ 0.50% · 4.625%
HK$109,082
+HK$6,256/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,652/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,642
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,529
−HK$2,929/mo
Today · 4.125%
HK$113,458
baseline
▲ 0.50% · 4.625%
HK$119,438
+HK$5,980/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,916/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,889 · Scale 2, in force from 26 Feb 2026)