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$56,331
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,083
−HK$1,780/mo
Today · 4.125%
HK$59,863
baseline
▲ 0.50% · 4.625%
HK$63,506
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,726/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,667
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,348
−HK$1,705/mo
Today · 4.125%
HK$66,053
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,106/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,699
−HK$2,137/mo
Today · 4.125%
HK$71,836
baseline
▲ 0.50% · 4.625%
HK$76,207
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,672/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,201
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,046/mo
Today · 4.125%
HK$79,264
baseline
▲ 0.50% · 4.625%
HK$83,442
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,528/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,316
−HK$2,492/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,734
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,087
−HK$2,387/mo
Today · 4.125%
HK$92,474
baseline
▲ 0.50% · 4.625%
HK$97,349
+HK$4,875/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,948/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,395
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,549
−HK$3,205/mo
Today · 4.125%
HK$107,754
baseline
▲ 0.50% · 4.625%
HK$114,310
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,508/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,801
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,826
−HK$3,070/mo
Today · 4.125%
HK$118,896
baseline
▲ 0.50% · 4.625%
HK$125,163
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,792/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,906 · Scale 2, in force from 26 Feb 2026)