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$56,541
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,300
−HK$1,787/mo
Today · 4.125%
HK$60,087
baseline
▲ 0.50% · 4.625%
HK$63,743
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,174/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,902
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,589
−HK$1,711/mo
Today · 4.125%
HK$66,300
baseline
▲ 0.50% · 4.625%
HK$69,795
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,600/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,960
−HK$2,144/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$76,492
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,482
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,506
−HK$2,054/mo
Today · 4.125%
HK$79,560
baseline
▲ 0.50% · 4.625%
HK$83,754
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,120/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,158
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,620
−HK$2,502/mo
Today · 4.125%
HK$84,122
baseline
▲ 0.50% · 4.625%
HK$89,240
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,244/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,062
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,424
−HK$2,396/mo
Today · 4.125%
HK$92,820
baseline
▲ 0.50% · 4.625%
HK$97,713
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,640/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,774
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,940
−HK$3,216/mo
Today · 4.125%
HK$108,156
baseline
▲ 0.50% · 4.625%
HK$114,737
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,312/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,223
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,259
−HK$3,081/mo
Today · 4.125%
HK$119,340
baseline
▲ 0.50% · 4.625%
HK$125,630
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,680/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,830 · Scale 2, in force from 26 Feb 2026)