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$56,590
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,350
−HK$1,789/mo
Today · 4.125%
HK$60,139
baseline
▲ 0.50% · 4.625%
HK$63,798
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,278/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,956
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,644
−HK$1,713/mo
Today · 4.125%
HK$66,357
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,714/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,908
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,020
−HK$2,146/mo
Today · 4.125%
HK$72,166
baseline
▲ 0.50% · 4.625%
HK$76,558
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,332/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,547
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,573
−HK$2,055/mo
Today · 4.125%
HK$79,628
baseline
▲ 0.50% · 4.625%
HK$83,826
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,256/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,226
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,690
−HK$2,504/mo
Today · 4.125%
HK$84,194
baseline
▲ 0.50% · 4.625%
HK$89,317
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,388/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,138
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,502
−HK$2,398/mo
Today · 4.125%
HK$92,900
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,800/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,862
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,030
−HK$3,220/mo
Today · 4.125%
HK$108,250
baseline
▲ 0.50% · 4.625%
HK$114,836
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,500/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,320
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,360
−HK$3,083/mo
Today · 4.125%
HK$119,443
baseline
▲ 0.50% · 4.625%
HK$125,739
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,886/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,739 · Scale 2, in force from 26 Feb 2026)