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$56,593
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,354
−HK$1,788/mo
Today · 4.125%
HK$60,142
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,284/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,959
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,648
−HK$1,713/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,912
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$2,146/mo
Today · 4.125%
HK$72,170
baseline
▲ 0.50% · 4.625%
HK$76,562
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,340/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,577
−HK$2,056/mo
Today · 4.125%
HK$79,633
baseline
▲ 0.50% · 4.625%
HK$83,831
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,266/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,230
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,695
−HK$2,504/mo
Today · 4.125%
HK$84,199
baseline
▲ 0.50% · 4.625%
HK$89,322
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,398/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,143
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,507
−HK$2,398/mo
Today · 4.125%
HK$92,905
baseline
▲ 0.50% · 4.625%
HK$97,802
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,810/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,868
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,036
−HK$3,220/mo
Today · 4.125%
HK$108,256
baseline
▲ 0.50% · 4.625%
HK$114,843
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,512/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,327
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,366
−HK$3,083/mo
Today · 4.125%
HK$119,449
baseline
▲ 0.50% · 4.625%
HK$125,746
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,898/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,798 · Scale 2, in force from 26 Feb 2026)