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$56,546
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,305
−HK$1,787/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,907
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,711/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$69,801
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,856
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,966
−HK$2,145/mo
Today · 4.125%
HK$72,111
baseline
▲ 0.50% · 4.625%
HK$76,499
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,222/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,489
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,054/mo
Today · 4.125%
HK$79,567
baseline
▲ 0.50% · 4.625%
HK$83,761
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,134/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,165
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,628
−HK$2,501/mo
Today · 4.125%
HK$84,129
baseline
▲ 0.50% · 4.625%
HK$89,248
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,258/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,070
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,432
−HK$2,397/mo
Today · 4.125%
HK$92,829
baseline
▲ 0.50% · 4.625%
HK$97,722
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,658/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,784
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,950
−HK$3,216/mo
Today · 4.125%
HK$108,166
baseline
▲ 0.50% · 4.625%
HK$114,748
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,332/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,233
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,270
−HK$3,081/mo
Today · 4.125%
HK$119,351
baseline
▲ 0.50% · 4.625%
HK$125,642
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,702/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,928 · Scale 2, in force from 26 Feb 2026)