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$55,998
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,769/mo
Today · 4.125%
HK$59,509
baseline
▲ 0.50% · 4.625%
HK$63,130
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,018/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,297
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,695/mo
Today · 4.125%
HK$65,663
baseline
▲ 0.50% · 4.625%
HK$69,124
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,326/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,197
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$2,124/mo
Today · 4.125%
HK$71,411
baseline
▲ 0.50% · 4.625%
HK$75,756
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,822/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,756
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,761
−HK$2,034/mo
Today · 4.125%
HK$78,795
baseline
▲ 0.50% · 4.625%
HK$82,948
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,590/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,397
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,478/mo
Today · 4.125%
HK$83,313
baseline
▲ 0.50% · 4.625%
HK$88,382
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,626/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,216
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,555
−HK$2,373/mo
Today · 4.125%
HK$91,928
baseline
▲ 0.50% · 4.625%
HK$96,773
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,856/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,796
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,931
−HK$3,186/mo
Today · 4.125%
HK$107,117
baseline
▲ 0.50% · 4.625%
HK$113,634
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,234/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,134
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,142
−HK$3,051/mo
Today · 4.125%
HK$118,193
baseline
▲ 0.50% · 4.625%
HK$124,423
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,386/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,699 · Scale 2, in force from 26 Feb 2026)