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$56,872
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,798/mo
Today · 4.125%
HK$60,439
baseline
▲ 0.50% · 4.625%
HK$64,116
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,878/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,270
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,967
−HK$1,721/mo
Today · 4.125%
HK$66,688
baseline
▲ 0.50% · 4.625%
HK$70,203
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,376/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,247
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,370
−HK$2,156/mo
Today · 4.125%
HK$72,526
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,052/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,924
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,960
−HK$2,066/mo
Today · 4.125%
HK$80,026
baseline
▲ 0.50% · 4.625%
HK$84,244
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,052/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,621
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,098
−HK$2,516/mo
Today · 4.125%
HK$84,614
baseline
▲ 0.50% · 4.625%
HK$89,763
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,228/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,578
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,953
−HK$2,410/mo
Today · 4.125%
HK$93,363
baseline
▲ 0.50% · 4.625%
HK$98,285
+HK$4,922/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,726/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,370
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,554
−HK$3,236/mo
Today · 4.125%
HK$108,790
baseline
▲ 0.50% · 4.625%
HK$115,409
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,580/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,886
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,940
−HK$3,099/mo
Today · 4.125%
HK$120,039
baseline
▲ 0.50% · 4.625%
HK$126,366
+HK$6,327/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,078/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,000 · Scale 2, in force from 26 Feb 2026)