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$56,536
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,295
−HK$1,787/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,655/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,896
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,583
−HK$1,711/mo
Today · 4.125%
HK$66,294
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,588/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,844
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,954
−HK$2,144/mo
Today · 4.125%
HK$72,098
baseline
▲ 0.50% · 4.625%
HK$76,485
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,196/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,475
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,499
−HK$2,054/mo
Today · 4.125%
HK$79,553
baseline
▲ 0.50% · 4.625%
HK$83,746
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,106/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,151
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,613
−HK$2,501/mo
Today · 4.125%
HK$84,114
baseline
▲ 0.50% · 4.625%
HK$89,232
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,228/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,054
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,416
−HK$2,396/mo
Today · 4.125%
HK$92,812
baseline
▲ 0.50% · 4.625%
HK$97,704
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,624/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,765
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,931
−HK$3,216/mo
Today · 4.125%
HK$108,147
baseline
▲ 0.50% · 4.625%
HK$114,727
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,294/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,213
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,249
−HK$3,080/mo
Today · 4.125%
HK$119,329
baseline
▲ 0.50% · 4.625%
HK$125,619
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,658/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,738 · Scale 2, in force from 26 Feb 2026)