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$56,330
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,082
−HK$1,780/mo
Today · 4.125%
HK$59,862
baseline
▲ 0.50% · 4.625%
HK$63,505
+HK$3,643/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$119,724/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,666
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,347
−HK$1,705/mo
Today · 4.125%
HK$66,052
baseline
▲ 0.50% · 4.625%
HK$69,534
+HK$3,482/mo
Deposit HK$12.35M · loan HK$12.35M · min. income ≈ HK$132,104/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,596
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,699
−HK$2,136/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$76,206
+HK$4,371/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,200
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,217
−HK$2,046/mo
Today · 4.125%
HK$79,263
baseline
▲ 0.50% · 4.625%
HK$83,441
+HK$4,178/mo
Deposit HK$9.88M · loan HK$14.82M · min. income ≈ HK$158,526/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,862
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,315
−HK$2,492/mo
Today · 4.125%
HK$83,807
baseline
▲ 0.50% · 4.625%
HK$88,907
+HK$5,100/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$167,614/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,733
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,086
−HK$2,387/mo
Today · 4.125%
HK$92,473
baseline
▲ 0.50% · 4.625%
HK$97,347
+HK$4,874/mo
Deposit HK$7.41M · loan HK$17.29M · min. income ≈ HK$184,946/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,394
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,548
−HK$3,204/mo
Today · 4.125%
HK$107,752
baseline
▲ 0.50% · 4.625%
HK$114,309
+HK$6,557/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$215,504/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,800
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,825
−HK$3,069/mo
Today · 4.125%
HK$118,894
baseline
▲ 0.50% · 4.625%
HK$125,161
+HK$6,267/mo
Deposit HK$2.47M · loan HK$22.23M · min. income ≈ HK$237,788/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,049,892 · Scale 2, in force from 26 Feb 2026)