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$53,766
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,438
−HK$1,700/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,614
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,418
−HK$1,628/mo
Today · 4.125%
HK$63,046
baseline
▲ 0.50% · 4.625%
HK$66,369
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,092/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,519
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$2,039/mo
Today · 4.125%
HK$68,565
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$4,172/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,130/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$1,953/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$3,988/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,272
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,614
−HK$2,379/mo
Today · 4.125%
HK$79,993
baseline
▲ 0.50% · 4.625%
HK$84,860
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$159,986/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,740
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,986
−HK$2,278/mo
Today · 4.125%
HK$88,264
baseline
▲ 0.50% · 4.625%
HK$92,916
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.51M · min. income ≈ HK$176,528/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,779
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,789
−HK$3,059/mo
Today · 4.125%
HK$102,848
baseline
▲ 0.50% · 4.625%
HK$109,106
+HK$6,258/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,696/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,665
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,553
−HK$2,929/mo
Today · 4.125%
HK$113,482
baseline
▲ 0.50% · 4.625%
HK$119,464
+HK$5,982/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,964/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,104 · Scale 2, in force from 26 Feb 2026)