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$56,485
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,242
−HK$1,785/mo
Today · 4.125%
HK$60,027
baseline
▲ 0.50% · 4.625%
HK$63,680
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,054/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,839
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,524
−HK$1,710/mo
Today · 4.125%
HK$66,234
baseline
▲ 0.50% · 4.625%
HK$69,725
+HK$3,491/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,468/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,782
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$69,891
−HK$2,142/mo
Today · 4.125%
HK$72,033
baseline
▲ 0.50% · 4.625%
HK$76,416
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$144,066/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,407
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,429
−HK$2,052/mo
Today · 4.125%
HK$79,481
baseline
▲ 0.50% · 4.625%
HK$83,671
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.86M · min. income ≈ HK$158,962/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,079
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,539
−HK$2,499/mo
Today · 4.125%
HK$84,038
baseline
▲ 0.50% · 4.625%
HK$89,152
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,076/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,975
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,334
−HK$2,394/mo
Today · 4.125%
HK$92,728
baseline
▲ 0.50% · 4.625%
HK$97,616
+HK$4,888/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,456/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,673
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,836
−HK$3,213/mo
Today · 4.125%
HK$108,049
baseline
▲ 0.50% · 4.625%
HK$114,624
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$216,098/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,111
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,144
−HK$3,078/mo
Today · 4.125%
HK$119,222
baseline
▲ 0.50% · 4.625%
HK$125,506
+HK$6,284/mo
Deposit HK$2.48M · loan HK$22.29M · min. income ≈ HK$238,444/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,785 · Scale 2, in force from 26 Feb 2026)