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$56,540
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,787/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,741
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,900
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,711/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$69,793
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,848
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,958
−HK$2,144/mo
Today · 4.125%
HK$72,102
baseline
▲ 0.50% · 4.625%
HK$76,490
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,204/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,480
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,504
−HK$2,054/mo
Today · 4.125%
HK$79,558
baseline
▲ 0.50% · 4.625%
HK$83,751
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,116/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,156
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,618
−HK$2,501/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$89,238
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,060
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,422
−HK$2,395/mo
Today · 4.125%
HK$92,817
baseline
▲ 0.50% · 4.625%
HK$97,710
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,634/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,771
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,937
−HK$3,216/mo
Today · 4.125%
HK$108,153
baseline
▲ 0.50% · 4.625%
HK$114,734
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,306/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,220
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,256
−HK$3,081/mo
Today · 4.125%
HK$119,337
baseline
▲ 0.50% · 4.625%
HK$125,627
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,674/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,802 · Scale 2, in force from 26 Feb 2026)