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$56,583
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,344
−HK$1,788/mo
Today · 4.125%
HK$60,132
baseline
▲ 0.50% · 4.625%
HK$63,791
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,264/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,949
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,637
−HK$1,712/mo
Today · 4.125%
HK$66,349
baseline
▲ 0.50% · 4.625%
HK$69,847
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,698/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,900
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,012
−HK$2,146/mo
Today · 4.125%
HK$72,158
baseline
▲ 0.50% · 4.625%
HK$76,549
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,316/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,538
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,564
−HK$2,055/mo
Today · 4.125%
HK$79,619
baseline
▲ 0.50% · 4.625%
HK$83,816
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,238/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,217
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,681
−HK$2,503/mo
Today · 4.125%
HK$84,184
baseline
▲ 0.50% · 4.625%
HK$89,307
+HK$5,123/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,368/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,128
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,492
−HK$2,397/mo
Today · 4.125%
HK$92,889
baseline
▲ 0.50% · 4.625%
HK$97,786
+HK$4,897/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,778/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,850
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,018
−HK$3,219/mo
Today · 4.125%
HK$108,237
baseline
▲ 0.50% · 4.625%
HK$114,823
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,474/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,307
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,346
−HK$3,083/mo
Today · 4.125%
HK$119,429
baseline
▲ 0.50% · 4.625%
HK$125,724
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,858/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,618 · Scale 2, in force from 26 Feb 2026)