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$56,861
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,797/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,258
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,954
−HK$1,721/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,234
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,356
−HK$2,156/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,925
+HK$4,413/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,909
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,945
−HK$2,065/mo
Today · 4.125%
HK$80,010
baseline
▲ 0.50% · 4.625%
HK$84,228
+HK$4,218/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,020/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,606
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,516/mo
Today · 4.125%
HK$84,598
baseline
▲ 0.50% · 4.625%
HK$89,745
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,196/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,561
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,936
−HK$2,409/mo
Today · 4.125%
HK$93,345
baseline
▲ 0.50% · 4.625%
HK$98,266
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,690/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,350
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,534
−HK$3,235/mo
Today · 4.125%
HK$108,769
baseline
▲ 0.50% · 4.625%
HK$115,387
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,538/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,864
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,917
−HK$3,098/mo
Today · 4.125%
HK$120,015
baseline
▲ 0.50% · 4.625%
HK$126,342
+HK$6,327/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,030/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,795 · Scale 2, in force from 26 Feb 2026)