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$55,585
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,314
−HK$1,756/mo
Today · 4.125%
HK$59,070
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,595/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$118,140/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,837
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,496
−HK$1,682/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$68,614
+HK$3,436/mo
Deposit HK$12.19M · loan HK$12.19M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,702
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,776
−HK$2,108/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$75,197
+HK$4,313/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,205
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,195
−HK$2,019/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,337
+HK$4,123/mo
Deposit HK$9.75M · loan HK$14.63M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,818
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,239
−HK$2,459/mo
Today · 4.125%
HK$82,698
baseline
▲ 0.50% · 4.625%
HK$87,730
+HK$5,032/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$165,396/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,572
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,894
−HK$2,355/mo
Today · 4.125%
HK$91,249
baseline
▲ 0.50% · 4.625%
HK$96,059
+HK$4,810/mo
Deposit HK$7.31M · loan HK$17.06M · min. income ≈ HK$182,498/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,052
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,164
−HK$3,162/mo
Today · 4.125%
HK$106,326
baseline
▲ 0.50% · 4.625%
HK$112,796
+HK$6,470/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$212,652/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,307
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,292
−HK$3,029/mo
Today · 4.125%
HK$117,321
baseline
▲ 0.50% · 4.625%
HK$123,505
+HK$6,184/mo
Deposit HK$2.44M · loan HK$21.94M · min. income ≈ HK$234,642/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,036,000 · Scale 2, in force from 26 Feb 2026)