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$56,516
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,274
−HK$1,786/mo
Today · 4.125%
HK$60,060
baseline
▲ 0.50% · 4.625%
HK$63,715
+HK$3,655/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,120/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,874
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,560
−HK$1,710/mo
Today · 4.125%
HK$66,270
baseline
▲ 0.50% · 4.625%
HK$69,764
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,540/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,819
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,929
−HK$2,143/mo
Today · 4.125%
HK$72,072
baseline
▲ 0.50% · 4.625%
HK$76,458
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,144/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,448
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,472
−HK$2,053/mo
Today · 4.125%
HK$79,525
baseline
▲ 0.50% · 4.625%
HK$83,716
+HK$4,191/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,050/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,123
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,500/mo
Today · 4.125%
HK$84,084
baseline
▲ 0.50% · 4.625%
HK$89,201
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,168/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,023
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,384
−HK$2,395/mo
Today · 4.125%
HK$92,779
baseline
▲ 0.50% · 4.625%
HK$97,669
+HK$4,890/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,558/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,729
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,893
−HK$3,215/mo
Today · 4.125%
HK$108,108
baseline
▲ 0.50% · 4.625%
HK$114,686
+HK$6,578/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,216/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,172
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,208
−HK$3,079/mo
Today · 4.125%
HK$119,287
baseline
▲ 0.50% · 4.625%
HK$125,575
+HK$6,288/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,574/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,362 · Scale 2, in force from 26 Feb 2026)