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$56,525
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,787/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,725
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,883
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,570
−HK$1,711/mo
Today · 4.125%
HK$66,281
baseline
▲ 0.50% · 4.625%
HK$69,775
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,562/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,830
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,940
−HK$2,144/mo
Today · 4.125%
HK$72,084
baseline
▲ 0.50% · 4.625%
HK$76,470
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,168/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,460
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,484
−HK$2,053/mo
Today · 4.125%
HK$79,537
baseline
▲ 0.50% · 4.625%
HK$83,730
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,074/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,135
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,597
−HK$2,500/mo
Today · 4.125%
HK$84,097
baseline
▲ 0.50% · 4.625%
HK$89,215
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,194/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,037
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,398
−HK$2,395/mo
Today · 4.125%
HK$92,793
baseline
▲ 0.50% · 4.625%
HK$97,685
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,586/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,745
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,910
−HK$3,215/mo
Today · 4.125%
HK$108,125
baseline
▲ 0.50% · 4.625%
HK$114,704
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,250/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,190
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,226
−HK$3,080/mo
Today · 4.125%
HK$119,306
baseline
▲ 0.50% · 4.625%
HK$125,594
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,612/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,528 · Scale 2, in force from 26 Feb 2026)