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$56,329
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,780/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,503
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,705/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,532
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,594
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,697
−HK$2,136/mo
Today · 4.125%
HK$71,833
baseline
▲ 0.50% · 4.625%
HK$76,204
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,666/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,198
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,215
−HK$2,046/mo
Today · 4.125%
HK$79,261
baseline
▲ 0.50% · 4.625%
HK$83,439
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,522/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,860
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,313
−HK$2,492/mo
Today · 4.125%
HK$83,805
baseline
▲ 0.50% · 4.625%
HK$88,905
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,610/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,731
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,084
−HK$2,387/mo
Today · 4.125%
HK$92,471
baseline
▲ 0.50% · 4.625%
HK$97,345
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,942/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,391
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,545
−HK$3,205/mo
Today · 4.125%
HK$107,750
baseline
▲ 0.50% · 4.625%
HK$114,306
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,500/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,797
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,822
−HK$3,069/mo
Today · 4.125%
HK$118,891
baseline
▲ 0.50% · 4.625%
HK$125,158
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,782/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,867 · Scale 2, in force from 26 Feb 2026)