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$56,431
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,783/mo
Today · 4.125%
HK$59,970
baseline
▲ 0.50% · 4.625%
HK$63,619
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,940/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,779
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,708/mo
Today · 4.125%
HK$66,171
baseline
▲ 0.50% · 4.625%
HK$69,659
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,342/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,718
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,824
−HK$2,140/mo
Today · 4.125%
HK$71,964
baseline
▲ 0.50% · 4.625%
HK$76,343
+HK$4,379/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,928/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,335
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,356
−HK$2,050/mo
Today · 4.125%
HK$79,406
baseline
▲ 0.50% · 4.625%
HK$83,591
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,812/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,004
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,462
−HK$2,496/mo
Today · 4.125%
HK$83,958
baseline
▲ 0.50% · 4.625%
HK$89,067
+HK$5,109/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,916/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,891
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,248
−HK$2,392/mo
Today · 4.125%
HK$92,640
baseline
▲ 0.50% · 4.625%
HK$97,523
+HK$4,883/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,280/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,577
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,736
−HK$3,210/mo
Today · 4.125%
HK$107,946
baseline
▲ 0.50% · 4.625%
HK$114,515
+HK$6,569/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,892/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,003
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,034
−HK$3,074/mo
Today · 4.125%
HK$119,108
baseline
▲ 0.50% · 4.625%
HK$125,387
+HK$6,279/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,216/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,785 · Scale 2, in force from 26 Feb 2026)