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$56,548
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,787/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,597
−HK$1,711/mo
Today · 4.125%
HK$66,308
baseline
▲ 0.50% · 4.625%
HK$69,803
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,616/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,858
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,969
−HK$2,144/mo
Today · 4.125%
HK$72,113
baseline
▲ 0.50% · 4.625%
HK$76,501
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,226/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,491
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,516
−HK$2,054/mo
Today · 4.125%
HK$79,570
baseline
▲ 0.50% · 4.625%
HK$83,764
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,140/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,168
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,630
−HK$2,502/mo
Today · 4.125%
HK$84,132
baseline
▲ 0.50% · 4.625%
HK$89,251
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,264/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,073
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,435
−HK$2,397/mo
Today · 4.125%
HK$92,832
baseline
▲ 0.50% · 4.625%
HK$97,725
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,664/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,787
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,953
−HK$3,217/mo
Today · 4.125%
HK$108,170
baseline
▲ 0.50% · 4.625%
HK$114,752
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,340/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,237
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,274
−HK$3,081/mo
Today · 4.125%
HK$119,355
baseline
▲ 0.50% · 4.625%
HK$125,646
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,710/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,963 · Scale 2, in force from 26 Feb 2026)