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$57,666
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,823/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,728/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,153
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,874
−HK$1,745/mo
Today · 4.125%
HK$67,619
baseline
▲ 0.50% · 4.625%
HK$71,183
+HK$3,564/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,238/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,200
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,352
−HK$2,187/mo
Today · 4.125%
HK$73,539
baseline
▲ 0.50% · 4.625%
HK$78,014
+HK$4,475/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$147,078/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,984
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,049
−HK$2,094/mo
Today · 4.125%
HK$81,143
baseline
▲ 0.50% · 4.625%
HK$85,420
+HK$4,277/mo
Deposit HK$10.12M · loan HK$15.17M · min. income ≈ HK$162,286/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,733
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,244
−HK$2,552/mo
Today · 4.125%
HK$85,796
baseline
▲ 0.50% · 4.625%
HK$91,016
+HK$5,220/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$171,592/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,814
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,223
−HK$2,444/mo
Today · 4.125%
HK$94,667
baseline
▲ 0.50% · 4.625%
HK$99,657
+HK$4,990/mo
Deposit HK$7.59M · loan HK$17.70M · min. income ≈ HK$189,334/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,799
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,028
−HK$3,281/mo
Today · 4.125%
HK$110,309
baseline
▲ 0.50% · 4.625%
HK$117,021
+HK$6,712/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$220,618/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,476
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,573
−HK$3,142/mo
Today · 4.125%
HK$121,715
baseline
▲ 0.50% · 4.625%
HK$128,130
+HK$6,415/mo
Deposit HK$2.53M · loan HK$22.76M · min. income ≈ HK$243,430/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,800 · Scale 2, in force from 26 Feb 2026)