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$56,357
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,111
−HK$1,781/mo
Today · 4.125%
HK$59,892
baseline
▲ 0.50% · 4.625%
HK$63,536
+HK$3,644/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,784/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,705/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$69,568
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,629
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,733
−HK$2,137/mo
Today · 4.125%
HK$71,870
baseline
▲ 0.50% · 4.625%
HK$76,243
+HK$4,373/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,740/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,237
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,254
−HK$2,047/mo
Today · 4.125%
HK$79,301
baseline
▲ 0.50% · 4.625%
HK$83,481
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,602/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,900
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,355
−HK$2,493/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,950
+HK$5,102/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,776
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,130
−HK$2,388/mo
Today · 4.125%
HK$92,518
baseline
▲ 0.50% · 4.625%
HK$97,395
+HK$4,877/mo
Deposit HK$7.41M · loan HK$17.30M · min. income ≈ HK$185,036/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,443
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,599
−HK$3,206/mo
Today · 4.125%
HK$107,805
baseline
▲ 0.50% · 4.625%
HK$114,365
+HK$6,560/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$215,610/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,855
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,882
−HK$3,070/mo
Today · 4.125%
HK$118,952
baseline
▲ 0.50% · 4.625%
HK$125,222
+HK$6,270/mo
Deposit HK$2.47M · loan HK$22.24M · min. income ≈ HK$237,904/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,405 · Scale 2, in force from 26 Feb 2026)