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$56,581
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,341
−HK$1,788/mo
Today · 4.125%
HK$60,129
baseline
▲ 0.50% · 4.625%
HK$63,788
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,258/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,946
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,634
−HK$1,713/mo
Today · 4.125%
HK$66,347
baseline
▲ 0.50% · 4.625%
HK$69,844
+HK$3,497/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,694/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,897
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,009
−HK$2,146/mo
Today · 4.125%
HK$72,155
baseline
▲ 0.50% · 4.625%
HK$76,546
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,310/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,535
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,561
−HK$2,055/mo
Today · 4.125%
HK$79,616
baseline
▲ 0.50% · 4.625%
HK$83,813
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,232/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,214
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,678
−HK$2,503/mo
Today · 4.125%
HK$84,181
baseline
▲ 0.50% · 4.625%
HK$89,303
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,362/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,124
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,488
−HK$2,397/mo
Today · 4.125%
HK$92,885
baseline
▲ 0.50% · 4.625%
HK$97,782
+HK$4,897/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,770/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,846
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,014
−HK$3,219/mo
Today · 4.125%
HK$108,233
baseline
▲ 0.50% · 4.625%
HK$114,818
+HK$6,585/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,466/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,303
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,341
−HK$3,083/mo
Today · 4.125%
HK$119,424
baseline
▲ 0.50% · 4.625%
HK$125,719
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,848/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,575 · Scale 2, in force from 26 Feb 2026)