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$56,820
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,588
−HK$1,795/mo
Today · 4.125%
HK$60,383
baseline
▲ 0.50% · 4.625%
HK$64,058
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,766/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,212
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,907
−HK$1,720/mo
Today · 4.125%
HK$66,627
baseline
▲ 0.50% · 4.625%
HK$70,139
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,254/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,184
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$2,155/mo
Today · 4.125%
HK$72,460
baseline
▲ 0.50% · 4.625%
HK$76,869
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,920/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,889
−HK$2,063/mo
Today · 4.125%
HK$79,952
baseline
▲ 0.50% · 4.625%
HK$84,167
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,904/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,548
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,023
−HK$2,514/mo
Today · 4.125%
HK$84,537
baseline
▲ 0.50% · 4.625%
HK$89,681
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,074/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,497
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,870
−HK$2,408/mo
Today · 4.125%
HK$93,278
baseline
▲ 0.50% · 4.625%
HK$98,195
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,556/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,276
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,458
−HK$3,232/mo
Today · 4.125%
HK$108,690
baseline
▲ 0.50% · 4.625%
HK$115,304
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,380/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,781
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,833
−HK$3,096/mo
Today · 4.125%
HK$119,929
baseline
▲ 0.50% · 4.625%
HK$126,250
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,858/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,030 · Scale 2, in force from 26 Feb 2026)