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$56,762
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,528
−HK$1,794/mo
Today · 4.125%
HK$60,322
baseline
▲ 0.50% · 4.625%
HK$63,992
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,644/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,148
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,841
−HK$1,718/mo
Today · 4.125%
HK$66,559
baseline
▲ 0.50% · 4.625%
HK$70,068
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,118/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,115
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,234
−HK$2,152/mo
Today · 4.125%
HK$72,386
baseline
▲ 0.50% · 4.625%
HK$76,791
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,772/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,777
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,810
−HK$2,061/mo
Today · 4.125%
HK$79,871
baseline
▲ 0.50% · 4.625%
HK$84,081
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,742/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,467
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,939
−HK$2,512/mo
Today · 4.125%
HK$84,451
baseline
▲ 0.50% · 4.625%
HK$89,589
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,902/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,407
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,778
−HK$2,405/mo
Today · 4.125%
HK$93,183
baseline
▲ 0.50% · 4.625%
HK$98,095
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,366/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,172
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,351
−HK$3,229/mo
Today · 4.125%
HK$108,580
baseline
▲ 0.50% · 4.625%
HK$115,186
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,160/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,666
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,714
−HK$3,093/mo
Today · 4.125%
HK$119,807
baseline
▲ 0.50% · 4.625%
HK$126,122
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,614/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,954 · Scale 2, in force from 26 Feb 2026)