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$53,801
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,474
−HK$1,700/mo
Today · 4.125%
HK$57,174
baseline
▲ 0.50% · 4.625%
HK$60,653
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,348/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,853
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,628/mo
Today · 4.125%
HK$63,086
baseline
▲ 0.50% · 4.625%
HK$66,412
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,172/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,561
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,569
−HK$2,040/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,784
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,823
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,749
−HK$1,955/mo
Today · 4.125%
HK$75,704
baseline
▲ 0.50% · 4.625%
HK$79,694
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,408/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,321
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,664
−HK$2,380/mo
Today · 4.125%
HK$80,044
baseline
▲ 0.50% · 4.625%
HK$84,915
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,088/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,794
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,041
−HK$2,280/mo
Today · 4.125%
HK$88,321
baseline
▲ 0.50% · 4.625%
HK$92,976
+HK$4,655/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,642/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,841
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,853
−HK$3,061/mo
Today · 4.125%
HK$102,914
baseline
▲ 0.50% · 4.625%
HK$109,176
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,828/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,735
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,624
−HK$2,931/mo
Today · 4.125%
HK$113,555
baseline
▲ 0.50% · 4.625%
HK$119,541
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,110/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,751 · Scale 2, in force from 26 Feb 2026)