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$57,189
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,968
−HK$1,807/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$64,473
+HK$3,698/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,622
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$1,731/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$70,594
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,627
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,761
−HK$2,169/mo
Today · 4.125%
HK$72,930
baseline
▲ 0.50% · 4.625%
HK$77,368
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,860/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,346
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,394
−HK$2,077/mo
Today · 4.125%
HK$80,471
baseline
▲ 0.50% · 4.625%
HK$84,713
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,942/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,064
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,555
−HK$2,530/mo
Today · 4.125%
HK$85,085
baseline
▲ 0.50% · 4.625%
HK$90,262
+HK$5,177/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,170/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,071
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,460
−HK$2,423/mo
Today · 4.125%
HK$93,883
baseline
▲ 0.50% · 4.625%
HK$98,832
+HK$4,949/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,766/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,940
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,142
−HK$3,253/mo
Today · 4.125%
HK$109,395
baseline
▲ 0.50% · 4.625%
HK$116,052
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,790/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,520
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,591
−HK$3,116/mo
Today · 4.125%
HK$120,707
baseline
▲ 0.50% · 4.625%
HK$127,069
+HK$6,362/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,414/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,900 · Scale 2, in force from 26 Feb 2026)