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$56,534
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,292
−HK$1,787/mo
Today · 4.125%
HK$60,079
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,655/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,158/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,893
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,580
−HK$1,711/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$69,785
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,840
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,951
−HK$2,144/mo
Today · 4.125%
HK$72,095
baseline
▲ 0.50% · 4.625%
HK$76,481
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,190/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,472
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,496
−HK$2,053/mo
Today · 4.125%
HK$79,549
baseline
▲ 0.50% · 4.625%
HK$83,742
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,098/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,147
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,609
−HK$2,501/mo
Today · 4.125%
HK$84,110
baseline
▲ 0.50% · 4.625%
HK$89,228
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,220/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,050
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,412
−HK$2,395/mo
Today · 4.125%
HK$92,807
baseline
▲ 0.50% · 4.625%
HK$97,699
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,614/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,761
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,926
−HK$3,216/mo
Today · 4.125%
HK$108,142
baseline
▲ 0.50% · 4.625%
HK$114,722
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,284/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,208
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,244
−HK$3,080/mo
Today · 4.125%
HK$119,324
baseline
▲ 0.50% · 4.625%
HK$125,614
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,648/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,689 · Scale 2, in force from 26 Feb 2026)