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$56,333
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,780/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,350
−HK$1,706/mo
Today · 4.125%
HK$66,056
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,112/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,599
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,702
−HK$2,136/mo
Today · 4.125%
HK$71,838
baseline
▲ 0.50% · 4.625%
HK$76,210
+HK$4,372/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,676/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,204
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,221
−HK$2,046/mo
Today · 4.125%
HK$79,267
baseline
▲ 0.50% · 4.625%
HK$83,445
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,534/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,866
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,319
−HK$2,492/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,911
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,738
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,091
−HK$2,387/mo
Today · 4.125%
HK$92,478
baseline
▲ 0.50% · 4.625%
HK$97,352
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,956/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,399
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,553
−HK$3,205/mo
Today · 4.125%
HK$107,758
baseline
▲ 0.50% · 4.625%
HK$114,314
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,516/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,805
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,831
−HK$3,069/mo
Today · 4.125%
HK$118,900
baseline
▲ 0.50% · 4.625%
HK$125,167
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,800/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,945 · Scale 2, in force from 26 Feb 2026)