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$56,866
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,797/mo
Today · 4.125%
HK$60,432
baseline
▲ 0.50% · 4.625%
HK$64,109
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,864/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,263
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,721/mo
Today · 4.125%
HK$66,681
baseline
▲ 0.50% · 4.625%
HK$70,196
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,362/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,239
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,362
−HK$2,157/mo
Today · 4.125%
HK$72,519
baseline
▲ 0.50% · 4.625%
HK$76,931
+HK$4,412/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,038/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,916
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,065/mo
Today · 4.125%
HK$80,017
baseline
▲ 0.50% · 4.625%
HK$84,235
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,034/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,089
−HK$2,516/mo
Today · 4.125%
HK$84,605
baseline
▲ 0.50% · 4.625%
HK$89,753
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,210/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,568
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,944
−HK$2,409/mo
Today · 4.125%
HK$93,353
baseline
▲ 0.50% · 4.625%
HK$98,274
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,706/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,359
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,543
−HK$3,235/mo
Today · 4.125%
HK$108,778
baseline
▲ 0.50% · 4.625%
HK$115,397
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,556/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,873
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,927
−HK$3,099/mo
Today · 4.125%
HK$120,026
baseline
▲ 0.50% · 4.625%
HK$126,352
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,885 · Scale 2, in force from 26 Feb 2026)