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$56,761
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,526
−HK$1,794/mo
Today · 4.125%
HK$60,320
baseline
▲ 0.50% · 4.625%
HK$63,990
+HK$3,670/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,640/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,146
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,839
−HK$1,718/mo
Today · 4.125%
HK$66,557
baseline
▲ 0.50% · 4.625%
HK$70,066
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,114/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,231
−HK$2,153/mo
Today · 4.125%
HK$72,384
baseline
▲ 0.50% · 4.625%
HK$76,788
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,768/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,775
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,807
−HK$2,062/mo
Today · 4.125%
HK$79,869
baseline
▲ 0.50% · 4.625%
HK$84,079
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,738/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,465
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,511/mo
Today · 4.125%
HK$84,448
baseline
▲ 0.50% · 4.625%
HK$89,586
+HK$5,138/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,896/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,404
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,775
−HK$2,405/mo
Today · 4.125%
HK$93,180
baseline
▲ 0.50% · 4.625%
HK$98,092
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,360/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,169
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,347
−HK$3,229/mo
Today · 4.125%
HK$108,576
baseline
▲ 0.50% · 4.625%
HK$115,183
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,152/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,662
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,710
−HK$3,093/mo
Today · 4.125%
HK$119,803
baseline
▲ 0.50% · 4.625%
HK$126,118
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,606/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,919 · Scale 2, in force from 26 Feb 2026)