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$56,329
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,781/mo
Today · 4.125%
HK$59,862
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,724/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,666
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,705/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,595
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,698
−HK$2,136/mo
Today · 4.125%
HK$71,834
baseline
▲ 0.50% · 4.625%
HK$76,205
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,668/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,199
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,216
−HK$2,046/mo
Today · 4.125%
HK$79,262
baseline
▲ 0.50% · 4.625%
HK$83,440
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,524/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,861
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,314
−HK$2,492/mo
Today · 4.125%
HK$83,806
baseline
▲ 0.50% · 4.625%
HK$88,906
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,612/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,732
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,085
−HK$2,387/mo
Today · 4.125%
HK$92,472
baseline
▲ 0.50% · 4.625%
HK$97,346
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,944/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,393
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,546
−HK$3,205/mo
Today · 4.125%
HK$107,751
baseline
▲ 0.50% · 4.625%
HK$114,307
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,502/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,798
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,823
−HK$3,069/mo
Today · 4.125%
HK$118,892
baseline
▲ 0.50% · 4.625%
HK$125,159
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,784/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,879 · Scale 2, in force from 26 Feb 2026)