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$56,590
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,351
−HK$1,788/mo
Today · 4.125%
HK$60,139
baseline
▲ 0.50% · 4.625%
HK$63,798
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,278/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,956
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,645
−HK$1,713/mo
Today · 4.125%
HK$66,358
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,716/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,909
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,021
−HK$2,146/mo
Today · 4.125%
HK$72,167
baseline
▲ 0.50% · 4.625%
HK$76,558
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,334/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,548
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,574
−HK$2,055/mo
Today · 4.125%
HK$79,629
baseline
▲ 0.50% · 4.625%
HK$83,826
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,258/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,227
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,691
−HK$2,504/mo
Today · 4.125%
HK$84,195
baseline
▲ 0.50% · 4.625%
HK$89,318
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,390/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,139
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,503
−HK$2,398/mo
Today · 4.125%
HK$92,901
baseline
▲ 0.50% · 4.625%
HK$97,798
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,802/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,863
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,031
−HK$3,219/mo
Today · 4.125%
HK$108,250
baseline
▲ 0.50% · 4.625%
HK$114,837
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,500/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,321
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,361
−HK$3,083/mo
Today · 4.125%
HK$119,444
baseline
▲ 0.50% · 4.625%
HK$125,740
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,888/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,747 · Scale 2, in force from 26 Feb 2026)