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$56,318
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,070
−HK$1,780/mo
Today · 4.125%
HK$59,850
baseline
▲ 0.50% · 4.625%
HK$63,491
+HK$3,641/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,700/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,653
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,333
−HK$1,705/mo
Today · 4.125%
HK$66,038
baseline
▲ 0.50% · 4.625%
HK$69,519
+HK$3,481/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,076/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,582
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,684
−HK$2,135/mo
Today · 4.125%
HK$71,819
baseline
▲ 0.50% · 4.625%
HK$76,190
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,638/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,184
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,200
−HK$2,046/mo
Today · 4.125%
HK$79,246
baseline
▲ 0.50% · 4.625%
HK$83,423
+HK$4,177/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,492/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,845
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,298
−HK$2,491/mo
Today · 4.125%
HK$83,789
baseline
▲ 0.50% · 4.625%
HK$88,888
+HK$5,099/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,578/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,714
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,067
−HK$2,386/mo
Today · 4.125%
HK$92,453
baseline
▲ 0.50% · 4.625%
HK$97,327
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,906/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,372
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,526
−HK$3,203/mo
Today · 4.125%
HK$107,729
baseline
▲ 0.50% · 4.625%
HK$114,284
+HK$6,555/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,458/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,776
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,800
−HK$3,069/mo
Today · 4.125%
HK$118,869
baseline
▲ 0.50% · 4.625%
HK$125,134
+HK$6,265/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,738/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,669 · Scale 2, in force from 26 Feb 2026)