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$56,001
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,743
−HK$1,770/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$63,134
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,301
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,971
−HK$1,695/mo
Today · 4.125%
HK$65,666
baseline
▲ 0.50% · 4.625%
HK$69,128
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,332/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,201
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,292
−HK$2,123/mo
Today · 4.125%
HK$71,415
baseline
▲ 0.50% · 4.625%
HK$75,761
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,830/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,766
−HK$2,034/mo
Today · 4.125%
HK$78,800
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,600/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,401
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,840
−HK$2,478/mo
Today · 4.125%
HK$83,318
baseline
▲ 0.50% · 4.625%
HK$88,388
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,636/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,221
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,560
−HK$2,373/mo
Today · 4.125%
HK$91,933
baseline
▲ 0.50% · 4.625%
HK$96,779
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,866/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,802
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,937
−HK$3,186/mo
Today · 4.125%
HK$107,123
baseline
▲ 0.50% · 4.625%
HK$113,641
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,246/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,141
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,149
−HK$3,051/mo
Today · 4.125%
HK$118,200
baseline
▲ 0.50% · 4.625%
HK$124,430
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,400/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,762 · Scale 2, in force from 26 Feb 2026)