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$56,528
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,286
−HK$1,787/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,655/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,887
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,573
−HK$1,711/mo
Today · 4.125%
HK$66,284
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$3,494/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,568/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,833
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,943
−HK$2,144/mo
Today · 4.125%
HK$72,087
baseline
▲ 0.50% · 4.625%
HK$76,473
+HK$4,386/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$144,174/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,464
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$77,488
−HK$2,053/mo
Today · 4.125%
HK$79,541
baseline
▲ 0.50% · 4.625%
HK$83,734
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.87M · min. income ≈ HK$159,082/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,139
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,600
−HK$2,502/mo
Today · 4.125%
HK$84,102
baseline
▲ 0.50% · 4.625%
HK$89,219
+HK$5,117/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$168,204/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,041
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,402
−HK$2,396/mo
Today · 4.125%
HK$92,798
baseline
▲ 0.50% · 4.625%
HK$97,689
+HK$4,891/mo
Deposit HK$7.44M · loan HK$17.35M · min. income ≈ HK$185,596/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,750
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,915
−HK$3,216/mo
Today · 4.125%
HK$108,131
baseline
▲ 0.50% · 4.625%
HK$114,710
+HK$6,579/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,262/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,196
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,232
−HK$3,079/mo
Today · 4.125%
HK$119,311
baseline
▲ 0.50% · 4.625%
HK$125,600
+HK$6,289/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,622/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,579 · Scale 2, in force from 26 Feb 2026)