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$56,375
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,128
−HK$1,782/mo
Today · 4.125%
HK$59,910
baseline
▲ 0.50% · 4.625%
HK$63,555
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,820/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,716
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,398
−HK$1,707/mo
Today · 4.125%
HK$66,105
baseline
▲ 0.50% · 4.625%
HK$69,589
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,210/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,650
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$2,138/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$76,266
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,278
−HK$2,048/mo
Today · 4.125%
HK$79,326
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,181/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,652/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,925
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,380
−HK$2,494/mo
Today · 4.125%
HK$83,874
baseline
▲ 0.50% · 4.625%
HK$88,978
+HK$5,104/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$167,748/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,803
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,158
−HK$2,389/mo
Today · 4.125%
HK$92,547
baseline
▲ 0.50% · 4.625%
HK$97,425
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.31M · min. income ≈ HK$185,094/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,475
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,631
−HK$3,207/mo
Today · 4.125%
HK$107,838
baseline
▲ 0.50% · 4.625%
HK$114,400
+HK$6,562/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,676/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,890
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,917
−HK$3,072/mo
Today · 4.125%
HK$118,989
baseline
▲ 0.50% · 4.625%
HK$125,261
+HK$6,272/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,978/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,729 · Scale 2, in force from 26 Feb 2026)