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$53,903
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,580
−HK$1,703/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,769
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,967
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,575
−HK$1,631/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$66,538
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,684
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,696
−HK$2,044/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,922
+HK$4,182/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,960
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,890
−HK$1,958/mo
Today · 4.125%
HK$75,848
baseline
▲ 0.50% · 4.625%
HK$79,846
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,696/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,464
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,812
−HK$2,384/mo
Today · 4.125%
HK$80,196
baseline
▲ 0.50% · 4.625%
HK$85,076
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,392/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,953
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,205
−HK$2,284/mo
Today · 4.125%
HK$88,489
baseline
▲ 0.50% · 4.625%
HK$93,153
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,978/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,025
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,043
−HK$3,067/mo
Today · 4.125%
HK$103,110
baseline
▲ 0.50% · 4.625%
HK$109,384
+HK$6,274/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,220/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,940
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,835
−HK$2,936/mo
Today · 4.125%
HK$113,771
baseline
▲ 0.50% · 4.625%
HK$119,768
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,542/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,658 · Scale 2, in force from 26 Feb 2026)