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$56,601
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,362
−HK$1,789/mo
Today · 4.125%
HK$60,151
baseline
▲ 0.50% · 4.625%
HK$63,811
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,302/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,968
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,657
−HK$1,713/mo
Today · 4.125%
HK$66,370
baseline
▲ 0.50% · 4.625%
HK$69,869
+HK$3,499/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,740/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,921
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,034
−HK$2,147/mo
Today · 4.125%
HK$72,181
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,362/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,562
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,588
−HK$2,056/mo
Today · 4.125%
HK$79,644
baseline
▲ 0.50% · 4.625%
HK$83,843
+HK$4,199/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,288/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,242
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,707
−HK$2,504/mo
Today · 4.125%
HK$84,211
baseline
▲ 0.50% · 4.625%
HK$89,335
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,422/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,156
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,520
−HK$2,398/mo
Today · 4.125%
HK$92,918
baseline
▲ 0.50% · 4.625%
HK$97,816
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,836/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,882
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,051
−HK$3,220/mo
Today · 4.125%
HK$108,271
baseline
▲ 0.50% · 4.625%
HK$114,859
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,542/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,343
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,383
−HK$3,084/mo
Today · 4.125%
HK$119,467
baseline
▲ 0.50% · 4.625%
HK$125,764
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,934/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,949 · Scale 2, in force from 26 Feb 2026)