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$56,325
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,077
−HK$1,780/mo
Today · 4.125%
HK$59,857
baseline
▲ 0.50% · 4.625%
HK$63,499
+HK$3,642/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,714/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,661
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,341
−HK$1,705/mo
Today · 4.125%
HK$66,046
baseline
▲ 0.50% · 4.625%
HK$69,528
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,092/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,590
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,692
−HK$2,136/mo
Today · 4.125%
HK$71,828
baseline
▲ 0.50% · 4.625%
HK$76,199
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,656/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,193
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,210
−HK$2,046/mo
Today · 4.125%
HK$79,256
baseline
▲ 0.50% · 4.625%
HK$83,433
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,512/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,855
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,308
−HK$2,492/mo
Today · 4.125%
HK$83,800
baseline
▲ 0.50% · 4.625%
HK$88,899
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,600/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,725
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,078
−HK$2,387/mo
Today · 4.125%
HK$92,465
baseline
▲ 0.50% · 4.625%
HK$97,339
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,930/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,385
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,539
−HK$3,204/mo
Today · 4.125%
HK$107,743
baseline
▲ 0.50% · 4.625%
HK$114,299
+HK$6,556/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,486/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,790
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,815
−HK$3,068/mo
Today · 4.125%
HK$118,883
baseline
▲ 0.50% · 4.625%
HK$125,150
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,766/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,799 · Scale 2, in force from 26 Feb 2026)