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$57,621
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,821/mo
Today · 4.125%
HK$61,234
baseline
▲ 0.50% · 4.625%
HK$64,960
+HK$3,726/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$122,468/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,102
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,822
−HK$1,744/mo
Today · 4.125%
HK$67,566
baseline
▲ 0.50% · 4.625%
HK$71,127
+HK$3,561/mo
Deposit HK$12.63M · loan HK$12.63M · min. income ≈ HK$135,132/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,145
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$2,185/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,952
+HK$4,471/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,923
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,986
−HK$2,093/mo
Today · 4.125%
HK$81,079
baseline
▲ 0.50% · 4.625%
HK$85,353
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,158/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,669
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,178
−HK$2,550/mo
Today · 4.125%
HK$85,728
baseline
▲ 0.50% · 4.625%
HK$90,944
+HK$5,216/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,456/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,743
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,150
−HK$2,442/mo
Today · 4.125%
HK$94,592
baseline
▲ 0.50% · 4.625%
HK$99,578
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,184/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,717
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,943
−HK$3,278/mo
Today · 4.125%
HK$110,221
baseline
▲ 0.50% · 4.625%
HK$116,928
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$220,442/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,384
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,479
−HK$3,139/mo
Today · 4.125%
HK$121,618
baseline
▲ 0.50% · 4.625%
HK$128,029
+HK$6,411/mo
Deposit HK$2.53M · loan HK$22.74M · min. income ≈ HK$243,236/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,073,950 · Scale 2, in force from 26 Feb 2026)