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$53,778
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,700/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,628
+HK$3,477/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,828
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,432
−HK$1,628/mo
Today · 4.125%
HK$63,060
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,324/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,120/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,534
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$2,040/mo
Today · 4.125%
HK$68,581
baseline
▲ 0.50% · 4.625%
HK$72,754
+HK$4,173/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,162/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,793
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,719
−HK$1,953/mo
Today · 4.125%
HK$75,672
baseline
▲ 0.50% · 4.625%
HK$79,661
+HK$3,989/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,344/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,290
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,632
−HK$2,379/mo
Today · 4.125%
HK$80,011
baseline
▲ 0.50% · 4.625%
HK$84,880
+HK$4,869/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,022/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,759
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,005
−HK$2,279/mo
Today · 4.125%
HK$88,284
baseline
▲ 0.50% · 4.625%
HK$92,938
+HK$4,654/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,568/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,801
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,812
−HK$3,059/mo
Today · 4.125%
HK$102,871
baseline
▲ 0.50% · 4.625%
HK$109,131
+HK$6,260/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,742/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,690
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,578
−HK$2,930/mo
Today · 4.125%
HK$113,508
baseline
▲ 0.50% · 4.625%
HK$119,492
+HK$5,984/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,016/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,335 · Scale 2, in force from 26 Feb 2026)