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$56,341
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,781/mo
Today · 4.125%
HK$59,874
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,748/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,706/mo
Today · 4.125%
HK$66,065
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,130/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,609
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,712
−HK$2,136/mo
Today · 4.125%
HK$71,848
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,696/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,214
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,231
−HK$2,047/mo
Today · 4.125%
HK$79,278
baseline
▲ 0.50% · 4.625%
HK$83,456
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,556/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,877
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,493/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,924
+HK$5,101/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,750
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,103
−HK$2,387/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$97,366
+HK$4,876/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$184,980/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,413
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,568
−HK$3,205/mo
Today · 4.125%
HK$107,773
baseline
▲ 0.50% · 4.625%
HK$114,330
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,546/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,821
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,847
−HK$3,069/mo
Today · 4.125%
HK$118,916
baseline
▲ 0.50% · 4.625%
HK$125,185
+HK$6,269/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,832/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,090 · Scale 2, in force from 26 Feb 2026)