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$56,548
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,788/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,596
−HK$1,711/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,857
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,968
−HK$2,144/mo
Today · 4.125%
HK$72,112
baseline
▲ 0.50% · 4.625%
HK$76,500
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,224/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,490
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,515
−HK$2,054/mo
Today · 4.125%
HK$79,569
baseline
▲ 0.50% · 4.625%
HK$83,763
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,138/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,167
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,629
−HK$2,502/mo
Today · 4.125%
HK$84,131
baseline
▲ 0.50% · 4.625%
HK$89,250
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,262/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,072
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,434
−HK$2,396/mo
Today · 4.125%
HK$92,830
baseline
▲ 0.50% · 4.625%
HK$97,723
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,660/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,786
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,952
−HK$3,216/mo
Today · 4.125%
HK$108,168
baseline
▲ 0.50% · 4.625%
HK$114,750
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,336/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,235
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,272
−HK$3,081/mo
Today · 4.125%
HK$119,353
baseline
▲ 0.50% · 4.625%
HK$125,644
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,706/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,948 · Scale 2, in force from 26 Feb 2026)