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$56,066
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,810
−HK$1,772/mo
Today · 4.125%
HK$59,582
baseline
▲ 0.50% · 4.625%
HK$63,207
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,164/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,373
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,046
−HK$1,697/mo
Today · 4.125%
HK$65,743
baseline
▲ 0.50% · 4.625%
HK$69,208
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,486/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,372
−HK$2,126/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$4,351/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,848
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,855
−HK$2,036/mo
Today · 4.125%
HK$78,891
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,159/mo
Deposit HK$9.84M · loan HK$14.75M · min. income ≈ HK$157,782/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,493
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,934
−HK$2,481/mo
Today · 4.125%
HK$83,415
baseline
▲ 0.50% · 4.625%
HK$88,490
+HK$5,075/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$166,830/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,322
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,664
−HK$2,376/mo
Today · 4.125%
HK$92,040
baseline
▲ 0.50% · 4.625%
HK$96,891
+HK$4,851/mo
Deposit HK$7.38M · loan HK$17.21M · min. income ≈ HK$184,080/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,919
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,058
−HK$3,189/mo
Today · 4.125%
HK$107,247
baseline
▲ 0.50% · 4.625%
HK$113,773
+HK$6,526/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$214,494/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,271
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,282
−HK$3,055/mo
Today · 4.125%
HK$118,337
baseline
▲ 0.50% · 4.625%
HK$124,575
+HK$6,238/mo
Deposit HK$2.46M · loan HK$22.13M · min. income ≈ HK$236,674/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,975 · Scale 2, in force from 26 Feb 2026)