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$56,588
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,348
−HK$1,788/mo
Today · 4.125%
HK$60,136
baseline
▲ 0.50% · 4.625%
HK$63,795
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,272/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,953
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,641
−HK$1,713/mo
Today · 4.125%
HK$66,354
baseline
▲ 0.50% · 4.625%
HK$69,852
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,708/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,017
−HK$2,146/mo
Today · 4.125%
HK$72,163
baseline
▲ 0.50% · 4.625%
HK$76,554
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,326/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,544
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,570
−HK$2,055/mo
Today · 4.125%
HK$79,625
baseline
▲ 0.50% · 4.625%
HK$83,822
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,250/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,223
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,687
−HK$2,504/mo
Today · 4.125%
HK$84,191
baseline
▲ 0.50% · 4.625%
HK$89,313
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,382/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,134
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,498
−HK$2,398/mo
Today · 4.125%
HK$92,896
baseline
▲ 0.50% · 4.625%
HK$97,793
+HK$4,897/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,792/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,858
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,026
−HK$3,219/mo
Today · 4.125%
HK$108,245
baseline
▲ 0.50% · 4.625%
HK$114,831
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,490/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,316
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,355
−HK$3,083/mo
Today · 4.125%
HK$119,438
baseline
▲ 0.50% · 4.625%
HK$125,733
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,876/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,694 · Scale 2, in force from 26 Feb 2026)