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$56,592
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,352
−HK$1,789/mo
Today · 4.125%
HK$60,141
baseline
▲ 0.50% · 4.625%
HK$63,800
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,282/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,958
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,647
−HK$1,712/mo
Today · 4.125%
HK$66,359
baseline
▲ 0.50% · 4.625%
HK$69,857
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,718/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,910
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,023
−HK$2,146/mo
Today · 4.125%
HK$72,169
baseline
▲ 0.50% · 4.625%
HK$76,560
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,338/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,550
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,576
−HK$2,055/mo
Today · 4.125%
HK$79,631
baseline
▲ 0.50% · 4.625%
HK$83,829
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,262/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,229
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,693
−HK$2,504/mo
Today · 4.125%
HK$84,197
baseline
▲ 0.50% · 4.625%
HK$89,320
+HK$5,123/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$168,394/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,141
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,505
−HK$2,398/mo
Today · 4.125%
HK$92,903
baseline
▲ 0.50% · 4.625%
HK$97,800
+HK$4,897/mo
Deposit HK$7.45M · loan HK$17.37M · min. income ≈ HK$185,806/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,866
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,034
−HK$3,219/mo
Today · 4.125%
HK$108,253
baseline
▲ 0.50% · 4.625%
HK$114,840
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,506/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,324
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,364
−HK$3,083/mo
Today · 4.125%
HK$119,447
baseline
▲ 0.50% · 4.625%
HK$125,743
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,894/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,777 · Scale 2, in force from 26 Feb 2026)