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$56,598
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,359
−HK$1,789/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,807
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,965
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,654
−HK$1,713/mo
Today · 4.125%
HK$66,367
baseline
▲ 0.50% · 4.625%
HK$69,865
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,734/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,918
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,031
−HK$2,146/mo
Today · 4.125%
HK$72,177
baseline
▲ 0.50% · 4.625%
HK$76,569
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,354/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,558
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,585
−HK$2,055/mo
Today · 4.125%
HK$79,640
baseline
▲ 0.50% · 4.625%
HK$83,838
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,280/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,238
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,702
−HK$2,505/mo
Today · 4.125%
HK$84,207
baseline
▲ 0.50% · 4.625%
HK$89,330
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,414/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,151
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,515
−HK$2,399/mo
Today · 4.125%
HK$92,914
baseline
▲ 0.50% · 4.625%
HK$97,811
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,828/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,877
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,046
−HK$3,220/mo
Today · 4.125%
HK$108,266
baseline
▲ 0.50% · 4.625%
HK$114,853
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,532/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,337
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,377
−HK$3,083/mo
Today · 4.125%
HK$119,460
baseline
▲ 0.50% · 4.625%
HK$125,757
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,920/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,895 · Scale 2, in force from 26 Feb 2026)