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$55,638
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,369
−HK$1,758/mo
Today · 4.125%
HK$59,127
baseline
▲ 0.50% · 4.625%
HK$62,725
+HK$3,598/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$118,254/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,897
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,557
−HK$1,684/mo
Today · 4.125%
HK$65,241
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,439/mo
Deposit HK$12.20M · loan HK$12.20M · min. income ≈ HK$130,482/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,766
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,843
−HK$2,110/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$75,270
+HK$4,317/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,276
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,268
−HK$2,021/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,127/mo
Deposit HK$9.76M · loan HK$14.64M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,893
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,316
−HK$2,462/mo
Today · 4.125%
HK$82,778
baseline
▲ 0.50% · 4.625%
HK$87,815
+HK$5,037/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$165,556/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,656
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,980
−HK$2,357/mo
Today · 4.125%
HK$91,337
baseline
▲ 0.50% · 4.625%
HK$96,152
+HK$4,815/mo
Deposit HK$7.32M · loan HK$17.08M · min. income ≈ HK$182,674/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,149
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,264
−HK$3,165/mo
Today · 4.125%
HK$106,429
baseline
▲ 0.50% · 4.625%
HK$112,905
+HK$6,476/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$212,858/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,414
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,403
−HK$3,031/mo
Today · 4.125%
HK$117,434
baseline
▲ 0.50% · 4.625%
HK$123,624
+HK$6,190/mo
Deposit HK$2.44M · loan HK$21.96M · min. income ≈ HK$234,868/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,036,999 · Scale 2, in force from 26 Feb 2026)