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$55,790
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,763/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,608/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,066
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,689/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$68,867
+HK$3,448/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,948
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,030
−HK$2,116/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$75,475
+HK$4,329/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,476
−HK$2,027/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,138/mo
Deposit HK$9.79M · loan HK$14.68M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,106
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,535
−HK$2,469/mo
Today · 4.125%
HK$83,004
baseline
▲ 0.50% · 4.625%
HK$88,054
+HK$5,050/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$166,008/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,892
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,222
−HK$2,365/mo
Today · 4.125%
HK$91,587
baseline
▲ 0.50% · 4.625%
HK$96,414
+HK$4,827/mo
Deposit HK$7.34M · loan HK$17.13M · min. income ≈ HK$183,174/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,422
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,546
−HK$3,173/mo
Today · 4.125%
HK$106,719
baseline
▲ 0.50% · 4.625%
HK$113,213
+HK$6,494/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$213,438/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,718
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,715
−HK$3,039/mo
Today · 4.125%
HK$117,754
baseline
▲ 0.50% · 4.625%
HK$123,961
+HK$6,207/mo
Deposit HK$2.45M · loan HK$22.02M · min. income ≈ HK$235,508/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,039,828 · Scale 2, in force from 26 Feb 2026)