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$56,754
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,520
−HK$1,793/mo
Today · 4.125%
HK$60,313
baseline
▲ 0.50% · 4.625%
HK$63,983
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,626/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,139
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,832
−HK$1,718/mo
Today · 4.125%
HK$66,550
baseline
▲ 0.50% · 4.625%
HK$70,058
+HK$3,508/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,100/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,105
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,224
−HK$2,152/mo
Today · 4.125%
HK$72,376
baseline
▲ 0.50% · 4.625%
HK$76,780
+HK$4,404/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$144,752/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,766
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,798
−HK$2,062/mo
Today · 4.125%
HK$79,860
baseline
▲ 0.50% · 4.625%
HK$84,069
+HK$4,209/mo
Deposit HK$9.96M · loan HK$14.93M · min. income ≈ HK$159,720/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,456
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,927
−HK$2,512/mo
Today · 4.125%
HK$84,439
baseline
▲ 0.50% · 4.625%
HK$89,576
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,878/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,394
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,765
−HK$2,405/mo
Today · 4.125%
HK$93,170
baseline
▲ 0.50% · 4.625%
HK$98,081
+HK$4,911/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,340/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,158
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,335
−HK$3,229/mo
Today · 4.125%
HK$108,564
baseline
▲ 0.50% · 4.625%
HK$115,170
+HK$6,606/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,128/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,649
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,697
−HK$3,092/mo
Today · 4.125%
HK$119,789
baseline
▲ 0.50% · 4.625%
HK$126,104
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,578/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,800 · Scale 2, in force from 26 Feb 2026)