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$56,335
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,087
−HK$1,780/mo
Today · 4.125%
HK$59,867
baseline
▲ 0.50% · 4.625%
HK$63,510
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,734/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,672
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,352
−HK$1,706/mo
Today · 4.125%
HK$66,058
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,116/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$2,137/mo
Today · 4.125%
HK$71,841
baseline
▲ 0.50% · 4.625%
HK$76,212
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,682/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,206
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,223
−HK$2,046/mo
Today · 4.125%
HK$79,269
baseline
▲ 0.50% · 4.625%
HK$83,447
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,538/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,868
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,322
−HK$2,492/mo
Today · 4.125%
HK$83,814
baseline
▲ 0.50% · 4.625%
HK$88,914
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,628/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,740
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,093
−HK$2,388/mo
Today · 4.125%
HK$92,481
baseline
▲ 0.50% · 4.625%
HK$97,355
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,962/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,402
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,556
−HK$3,205/mo
Today · 4.125%
HK$107,761
baseline
▲ 0.50% · 4.625%
HK$114,318
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,522/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,809
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,834
−HK$3,070/mo
Today · 4.125%
HK$118,904
baseline
▲ 0.50% · 4.625%
HK$125,171
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,808/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,978 · Scale 2, in force from 26 Feb 2026)