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$56,520
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,278
−HK$1,787/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,719
+HK$3,654/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,565
−HK$1,710/mo
Today · 4.125%
HK$66,275
baseline
▲ 0.50% · 4.625%
HK$69,769
+HK$3,494/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,550/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,824
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,934
−HK$2,143/mo
Today · 4.125%
HK$72,077
baseline
▲ 0.50% · 4.625%
HK$76,463
+HK$4,386/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,154/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,454
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,477
−HK$2,053/mo
Today · 4.125%
HK$79,530
baseline
▲ 0.50% · 4.625%
HK$83,722
+HK$4,192/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$159,060/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,128
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,590
−HK$2,500/mo
Today · 4.125%
HK$84,090
baseline
▲ 0.50% · 4.625%
HK$89,207
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,180/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,029
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,390
−HK$2,395/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$97,676
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,736
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,901
−HK$3,215/mo
Today · 4.125%
HK$108,116
baseline
▲ 0.50% · 4.625%
HK$114,695
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,232/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,181
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,216
−HK$3,079/mo
Today · 4.125%
HK$119,295
baseline
▲ 0.50% · 4.625%
HK$125,584
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,590/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,438 · Scale 2, in force from 26 Feb 2026)