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$56,871
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,640
−HK$1,797/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$64,115
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,268
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,722/mo
Today · 4.125%
HK$66,687
baseline
▲ 0.50% · 4.625%
HK$70,202
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,374/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,245
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,368
−HK$2,157/mo
Today · 4.125%
HK$72,525
baseline
▲ 0.50% · 4.625%
HK$76,938
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,050/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,922
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,958
−HK$2,066/mo
Today · 4.125%
HK$80,024
baseline
▲ 0.50% · 4.625%
HK$84,242
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,048/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,619
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,096
−HK$2,516/mo
Today · 4.125%
HK$84,612
baseline
▲ 0.50% · 4.625%
HK$89,761
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,224/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,576
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,410/mo
Today · 4.125%
HK$93,361
baseline
▲ 0.50% · 4.625%
HK$98,282
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,722/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,368
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,552
−HK$3,235/mo
Today · 4.125%
HK$108,787
baseline
▲ 0.50% · 4.625%
HK$115,407
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,574/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,883
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,937
−HK$3,099/mo
Today · 4.125%
HK$120,036
baseline
▲ 0.50% · 4.625%
HK$126,363
+HK$6,327/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,072/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,977 · Scale 2, in force from 26 Feb 2026)