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$56,603
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,364
−HK$1,789/mo
Today · 4.125%
HK$60,153
baseline
▲ 0.50% · 4.625%
HK$63,813
+HK$3,660/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,306/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,970
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,659
−HK$1,714/mo
Today · 4.125%
HK$66,373
baseline
▲ 0.50% · 4.625%
HK$69,871
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,746/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,924
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$2,146/mo
Today · 4.125%
HK$72,183
baseline
▲ 0.50% · 4.625%
HK$76,575
+HK$4,392/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,366/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,565
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,591
−HK$2,056/mo
Today · 4.125%
HK$79,647
baseline
▲ 0.50% · 4.625%
HK$83,845
+HK$4,198/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,294/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,244
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,709
−HK$2,505/mo
Today · 4.125%
HK$84,214
baseline
▲ 0.50% · 4.625%
HK$89,338
+HK$5,124/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$168,428/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,159
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,523
−HK$2,399/mo
Today · 4.125%
HK$92,922
baseline
▲ 0.50% · 4.625%
HK$97,820
+HK$4,898/mo
Deposit HK$7.45M · loan HK$17.38M · min. income ≈ HK$185,844/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,886
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,055
−HK$3,220/mo
Today · 4.125%
HK$108,275
baseline
▲ 0.50% · 4.625%
HK$114,863
+HK$6,588/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$216,550/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,347
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,387
−HK$3,084/mo
Today · 4.125%
HK$119,471
baseline
▲ 0.50% · 4.625%
HK$125,768
+HK$6,297/mo
Deposit HK$2.48M · loan HK$22.34M · min. income ≈ HK$238,942/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,985 · Scale 2, in force from 26 Feb 2026)