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$56,531
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,289
−HK$1,787/mo
Today · 4.125%
HK$60,076
baseline
▲ 0.50% · 4.625%
HK$63,731
+HK$3,655/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,152/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,890
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,712/mo
Today · 4.125%
HK$66,288
baseline
▲ 0.50% · 4.625%
HK$69,782
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,576/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,837
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$2,144/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$76,477
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,468
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,492
−HK$2,053/mo
Today · 4.125%
HK$79,545
baseline
▲ 0.50% · 4.625%
HK$83,738
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,090/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,143
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,605
−HK$2,501/mo
Today · 4.125%
HK$84,106
baseline
▲ 0.50% · 4.625%
HK$89,224
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,212/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,046
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,407
−HK$2,396/mo
Today · 4.125%
HK$92,803
baseline
▲ 0.50% · 4.625%
HK$97,694
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,606/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,755
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,920
−HK$3,216/mo
Today · 4.125%
HK$108,136
baseline
▲ 0.50% · 4.625%
HK$114,716
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,272/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,202
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,238
−HK$3,080/mo
Today · 4.125%
HK$119,318
baseline
▲ 0.50% · 4.625%
HK$125,607
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,636/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,634 · Scale 2, in force from 26 Feb 2026)