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$56,598
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,358
−HK$1,789/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,807
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,964
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,653
−HK$1,713/mo
Today · 4.125%
HK$66,366
baseline
▲ 0.50% · 4.625%
HK$69,864
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,732/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,917
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,030
−HK$2,146/mo
Today · 4.125%
HK$72,176
baseline
▲ 0.50% · 4.625%
HK$76,568
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,352/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,557
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,584
−HK$2,055/mo
Today · 4.125%
HK$79,639
baseline
▲ 0.50% · 4.625%
HK$83,837
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,278/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,237
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,701
−HK$2,504/mo
Today · 4.125%
HK$84,205
baseline
▲ 0.50% · 4.625%
HK$89,329
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,410/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,150
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,514
−HK$2,398/mo
Today · 4.125%
HK$92,912
baseline
▲ 0.50% · 4.625%
HK$97,810
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,824/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,876
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,045
−HK$3,219/mo
Today · 4.125%
HK$108,264
baseline
▲ 0.50% · 4.625%
HK$114,852
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,528/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,336
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,375
−HK$3,084/mo
Today · 4.125%
HK$119,459
baseline
▲ 0.50% · 4.625%
HK$125,756
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,918/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,881 · Scale 2, in force from 26 Feb 2026)