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$56,588
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,349
−HK$1,788/mo
Today · 4.125%
HK$60,137
baseline
▲ 0.50% · 4.625%
HK$63,796
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,274/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,954
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,642
−HK$1,713/mo
Today · 4.125%
HK$66,355
baseline
▲ 0.50% · 4.625%
HK$69,853
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,710/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,906
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,018
−HK$2,146/mo
Today · 4.125%
HK$72,164
baseline
▲ 0.50% · 4.625%
HK$76,555
+HK$4,391/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,328/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,545
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,055/mo
Today · 4.125%
HK$79,626
baseline
▲ 0.50% · 4.625%
HK$83,823
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,252/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,224
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,688
−HK$2,504/mo
Today · 4.125%
HK$84,192
baseline
▲ 0.50% · 4.625%
HK$89,315
+HK$5,123/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,384/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,136
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,499
−HK$2,398/mo
Today · 4.125%
HK$92,897
baseline
▲ 0.50% · 4.625%
HK$97,794
+HK$4,897/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,794/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,859
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,027
−HK$3,219/mo
Today · 4.125%
HK$108,246
baseline
▲ 0.50% · 4.625%
HK$114,833
+HK$6,587/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,492/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,317
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,356
−HK$3,083/mo
Today · 4.125%
HK$119,439
baseline
▲ 0.50% · 4.625%
HK$125,735
+HK$6,296/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,878/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,708 · Scale 2, in force from 26 Feb 2026)