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$56,710
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,474
−HK$1,792/mo
Today · 4.125%
HK$60,266
baseline
▲ 0.50% · 4.625%
HK$63,933
+HK$3,667/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,532/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,090
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,782
−HK$1,716/mo
Today · 4.125%
HK$66,498
baseline
▲ 0.50% · 4.625%
HK$70,003
+HK$3,505/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$132,996/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,052
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,169
−HK$2,151/mo
Today · 4.125%
HK$72,320
baseline
▲ 0.50% · 4.625%
HK$76,720
+HK$4,400/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$144,640/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,738
−HK$2,060/mo
Today · 4.125%
HK$79,798
baseline
▲ 0.50% · 4.625%
HK$84,004
+HK$4,206/mo
Deposit HK$9.95M · loan HK$14.92M · min. income ≈ HK$159,596/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,394
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,864
−HK$2,509/mo
Today · 4.125%
HK$84,373
baseline
▲ 0.50% · 4.625%
HK$89,507
+HK$5,134/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$168,746/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,325
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,694
−HK$2,403/mo
Today · 4.125%
HK$93,097
baseline
▲ 0.50% · 4.625%
HK$98,005
+HK$4,908/mo
Deposit HK$7.46M · loan HK$17.41M · min. income ≈ HK$186,194/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,078
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,254
−HK$3,226/mo
Today · 4.125%
HK$108,480
baseline
▲ 0.50% · 4.625%
HK$115,080
+HK$6,600/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$216,960/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,561
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,607
−HK$3,089/mo
Today · 4.125%
HK$119,696
baseline
▲ 0.50% · 4.625%
HK$126,006
+HK$6,310/mo
Deposit HK$2.49M · loan HK$22.38M · min. income ≈ HK$239,392/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,056,979 · Scale 2, in force from 26 Feb 2026)