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$56,549
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,787/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,752
+HK$3,657/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,911
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,598
−HK$1,711/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$69,805
+HK$3,496/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,859
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,970
−HK$2,145/mo
Today · 4.125%
HK$72,115
baseline
▲ 0.50% · 4.625%
HK$76,503
+HK$4,388/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,230/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,493
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,517
−HK$2,054/mo
Today · 4.125%
HK$79,571
baseline
▲ 0.50% · 4.625%
HK$83,766
+HK$4,195/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,142/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,169
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,632
−HK$2,502/mo
Today · 4.125%
HK$84,134
baseline
▲ 0.50% · 4.625%
HK$89,253
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,268/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,075
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,437
−HK$2,396/mo
Today · 4.125%
HK$92,833
baseline
▲ 0.50% · 4.625%
HK$97,726
+HK$4,893/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,666/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,789
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,955
−HK$3,217/mo
Today · 4.125%
HK$108,172
baseline
▲ 0.50% · 4.625%
HK$114,754
+HK$6,582/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,344/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,239
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,276
−HK$3,081/mo
Today · 4.125%
HK$119,357
baseline
▲ 0.50% · 4.625%
HK$125,648
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,714/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,981 · Scale 2, in force from 26 Feb 2026)