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$55,692
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,760/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,957
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,686/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,830
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$2,112/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,348
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,342
−HK$2,023/mo
Today · 4.125%
HK$78,365
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,130/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,730/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,969
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,394
−HK$2,464/mo
Today · 4.125%
HK$82,858
baseline
▲ 0.50% · 4.625%
HK$87,900
+HK$5,042/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,716/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,739
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,066
−HK$2,359/mo
Today · 4.125%
HK$91,425
baseline
▲ 0.50% · 4.625%
HK$96,245
+HK$4,820/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,850/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,245
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$3,169/mo
Today · 4.125%
HK$106,532
baseline
▲ 0.50% · 4.625%
HK$113,014
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,064/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,522
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,513
−HK$3,034/mo
Today · 4.125%
HK$117,547
baseline
▲ 0.50% · 4.625%
HK$123,743
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,094/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,999 · Scale 2, in force from 26 Feb 2026)