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$56,855
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,624
−HK$1,796/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,251
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,947
−HK$1,721/mo
Today · 4.125%
HK$66,668
baseline
▲ 0.50% · 4.625%
HK$70,182
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,336/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,226
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,348
−HK$2,156/mo
Today · 4.125%
HK$72,504
baseline
▲ 0.50% · 4.625%
HK$76,916
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,008/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,936
−HK$2,065/mo
Today · 4.125%
HK$80,001
baseline
▲ 0.50% · 4.625%
HK$84,218
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,002/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,597
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,073
−HK$2,516/mo
Today · 4.125%
HK$84,589
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,178/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,551
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,926
−HK$2,409/mo
Today · 4.125%
HK$93,335
baseline
▲ 0.50% · 4.625%
HK$98,255
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,670/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,339
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,522
−HK$3,235/mo
Today · 4.125%
HK$108,757
baseline
▲ 0.50% · 4.625%
HK$115,374
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,514/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,851
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,905
−HK$3,097/mo
Today · 4.125%
HK$120,002
baseline
▲ 0.50% · 4.625%
HK$126,328
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,004/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,679 · Scale 2, in force from 26 Feb 2026)