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$53,865
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,702/mo
Today · 4.125%
HK$57,243
baseline
▲ 0.50% · 4.625%
HK$60,726
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,486/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,925
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,532
−HK$1,630/mo
Today · 4.125%
HK$63,162
baseline
▲ 0.50% · 4.625%
HK$66,492
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,324/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,638
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,649
−HK$2,043/mo
Today · 4.125%
HK$68,692
baseline
▲ 0.50% · 4.625%
HK$72,872
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,384/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,910
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,838
−HK$1,957/mo
Today · 4.125%
HK$75,795
baseline
▲ 0.50% · 4.625%
HK$79,790
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,590/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,412
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,757
−HK$2,384/mo
Today · 4.125%
HK$80,141
baseline
▲ 0.50% · 4.625%
HK$85,017
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,282/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,895
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,145
−HK$2,282/mo
Today · 4.125%
HK$88,427
baseline
▲ 0.50% · 4.625%
HK$93,088
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,854/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,958
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,974
−HK$3,064/mo
Today · 4.125%
HK$103,038
baseline
▲ 0.50% · 4.625%
HK$109,307
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,076/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,864
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,757
−HK$2,935/mo
Today · 4.125%
HK$113,692
baseline
▲ 0.50% · 4.625%
HK$119,685
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,384/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,958 · Scale 2, in force from 26 Feb 2026)