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$56,544
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,787/mo
Today · 4.125%
HK$60,090
baseline
▲ 0.50% · 4.625%
HK$63,746
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,180/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,905
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,711/mo
Today · 4.125%
HK$66,303
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,606/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,853
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$69,964
−HK$2,144/mo
Today · 4.125%
HK$72,108
baseline
▲ 0.50% · 4.625%
HK$76,495
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,216/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,486
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,510
−HK$2,054/mo
Today · 4.125%
HK$79,564
baseline
▲ 0.50% · 4.625%
HK$83,758
+HK$4,194/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,128/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,162
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,502/mo
Today · 4.125%
HK$84,126
baseline
▲ 0.50% · 4.625%
HK$89,245
+HK$5,119/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,252/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,067
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,429
−HK$2,396/mo
Today · 4.125%
HK$92,825
baseline
▲ 0.50% · 4.625%
HK$97,717
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,650/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,779
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,945
−HK$3,217/mo
Today · 4.125%
HK$108,162
baseline
▲ 0.50% · 4.625%
HK$114,743
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$216,324/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,229
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,265
−HK$3,081/mo
Today · 4.125%
HK$119,346
baseline
▲ 0.50% · 4.625%
HK$125,637
+HK$6,291/mo
Deposit HK$2.48M · loan HK$22.32M · min. income ≈ HK$238,692/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,884 · Scale 2, in force from 26 Feb 2026)