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$56,535
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,293
−HK$1,787/mo
Today · 4.125%
HK$60,080
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,160/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,894
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,581
−HK$1,711/mo
Today · 4.125%
HK$66,292
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,584/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,842
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,952
−HK$2,144/mo
Today · 4.125%
HK$72,096
baseline
▲ 0.50% · 4.625%
HK$76,483
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,192/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,473
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,497
−HK$2,054/mo
Today · 4.125%
HK$79,551
baseline
▲ 0.50% · 4.625%
HK$83,744
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,102/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,149
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,611
−HK$2,501/mo
Today · 4.125%
HK$84,112
baseline
▲ 0.50% · 4.625%
HK$89,230
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,224/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,052
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,414
−HK$2,395/mo
Today · 4.125%
HK$92,809
baseline
▲ 0.50% · 4.625%
HK$97,701
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,618/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,763
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,928
−HK$3,216/mo
Today · 4.125%
HK$108,144
baseline
▲ 0.50% · 4.625%
HK$114,724
+HK$6,580/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,288/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,210
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,246
−HK$3,080/mo
Today · 4.125%
HK$119,326
baseline
▲ 0.50% · 4.625%
HK$125,616
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,652/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,710 · Scale 2, in force from 26 Feb 2026)