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$56,816
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,583
−HK$1,796/mo
Today · 4.125%
HK$60,379
baseline
▲ 0.50% · 4.625%
HK$64,053
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,758/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,207
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,902
−HK$1,720/mo
Today · 4.125%
HK$66,622
baseline
▲ 0.50% · 4.625%
HK$70,134
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,244/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,179
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,300
−HK$2,155/mo
Today · 4.125%
HK$72,455
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,910/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,849
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,883
−HK$2,063/mo
Today · 4.125%
HK$79,946
baseline
▲ 0.50% · 4.625%
HK$84,161
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,892/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,542
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,016
−HK$2,514/mo
Today · 4.125%
HK$84,530
baseline
▲ 0.50% · 4.625%
HK$89,674
+HK$5,144/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,060/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,490
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,863
−HK$2,408/mo
Today · 4.125%
HK$93,271
baseline
▲ 0.50% · 4.625%
HK$98,187
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,542/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,269
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,450
−HK$3,232/mo
Today · 4.125%
HK$108,682
baseline
▲ 0.50% · 4.625%
HK$115,295
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,364/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,773
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,824
−HK$3,096/mo
Today · 4.125%
HK$119,920
baseline
▲ 0.50% · 4.625%
HK$126,241
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,840/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,950 · Scale 2, in force from 26 Feb 2026)