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$56,494
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,252
−HK$1,785/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,690
+HK$3,653/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,849
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,535
−HK$1,710/mo
Today · 4.125%
HK$66,245
baseline
▲ 0.50% · 4.625%
HK$69,737
+HK$3,492/mo
Deposit HK$12.39M · loan HK$12.39M · min. income ≈ HK$132,490/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,793
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,902
−HK$2,143/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$76,428
+HK$4,383/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,419
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,052/mo
Today · 4.125%
HK$79,494
baseline
▲ 0.50% · 4.625%
HK$83,684
+HK$4,190/mo
Deposit HK$9.91M · loan HK$14.87M · min. income ≈ HK$158,988/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,092
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,552
−HK$2,500/mo
Today · 4.125%
HK$84,052
baseline
▲ 0.50% · 4.625%
HK$89,166
+HK$5,114/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$168,104/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,989
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,349
−HK$2,394/mo
Today · 4.125%
HK$92,743
baseline
▲ 0.50% · 4.625%
HK$97,632
+HK$4,889/mo
Deposit HK$7.43M · loan HK$17.34M · min. income ≈ HK$185,486/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,690
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,853
−HK$3,214/mo
Today · 4.125%
HK$108,067
baseline
▲ 0.50% · 4.625%
HK$114,642
+HK$6,575/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$216,134/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,129
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,163
−HK$3,078/mo
Today · 4.125%
HK$119,241
baseline
▲ 0.50% · 4.625%
HK$125,526
+HK$6,285/mo
Deposit HK$2.48M · loan HK$22.30M · min. income ≈ HK$238,482/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,052,958 · Scale 2, in force from 26 Feb 2026)