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$56,053
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,771/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$63,193
+HK$3,625/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,359
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,697/mo
Today · 4.125%
HK$65,728
baseline
▲ 0.50% · 4.625%
HK$69,193
+HK$3,465/mo
Deposit HK$12.29M · loan HK$12.29M · min. income ≈ HK$131,456/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,264
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,356
−HK$2,126/mo
Today · 4.125%
HK$71,482
baseline
▲ 0.50% · 4.625%
HK$75,832
+HK$4,350/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$142,964/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,831
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,035/mo
Today · 4.125%
HK$78,873
baseline
▲ 0.50% · 4.625%
HK$83,031
+HK$4,158/mo
Deposit HK$9.83M · loan HK$14.75M · min. income ≈ HK$157,746/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,475
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,916
−HK$2,480/mo
Today · 4.125%
HK$83,396
baseline
▲ 0.50% · 4.625%
HK$88,470
+HK$5,074/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$166,792/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,302
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,644
−HK$2,375/mo
Today · 4.125%
HK$92,019
baseline
▲ 0.50% · 4.625%
HK$96,870
+HK$4,851/mo
Deposit HK$7.37M · loan HK$17.21M · min. income ≈ HK$184,038/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,896
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,035
−HK$3,188/mo
Today · 4.125%
HK$107,223
baseline
▲ 0.50% · 4.625%
HK$113,747
+HK$6,524/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$214,446/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,246
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,256
−HK$3,054/mo
Today · 4.125%
HK$118,310
baseline
▲ 0.50% · 4.625%
HK$124,547
+HK$6,237/mo
Deposit HK$2.46M · loan HK$22.12M · min. income ≈ HK$236,620/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,738 · Scale 2, in force from 26 Feb 2026)