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$56,811
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,578
−HK$1,795/mo
Today · 4.125%
HK$60,373
baseline
▲ 0.50% · 4.625%
HK$64,047
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,746/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,897
−HK$1,719/mo
Today · 4.125%
HK$66,616
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,232/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,173
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,294
−HK$2,154/mo
Today · 4.125%
HK$72,448
baseline
▲ 0.50% · 4.625%
HK$76,856
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,896/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,842
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,063/mo
Today · 4.125%
HK$79,939
baseline
▲ 0.50% · 4.625%
HK$84,153
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,878/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,535
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,009
−HK$2,514/mo
Today · 4.125%
HK$84,523
baseline
▲ 0.50% · 4.625%
HK$89,666
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,046/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,482
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,855
−HK$2,408/mo
Today · 4.125%
HK$93,263
baseline
▲ 0.50% · 4.625%
HK$98,179
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,526/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,260
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,441
−HK$3,231/mo
Today · 4.125%
HK$108,672
baseline
▲ 0.50% · 4.625%
HK$115,285
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,344/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,763
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,814
−HK$3,095/mo
Today · 4.125%
HK$119,909
baseline
▲ 0.50% · 4.625%
HK$126,230
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,818/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,857 · Scale 2, in force from 26 Feb 2026)