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$56,814
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,582
−HK$1,795/mo
Today · 4.125%
HK$60,377
baseline
▲ 0.50% · 4.625%
HK$64,051
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,754/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,206
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,901
−HK$1,719/mo
Today · 4.125%
HK$66,620
baseline
▲ 0.50% · 4.625%
HK$70,132
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,240/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,298
−HK$2,155/mo
Today · 4.125%
HK$72,453
baseline
▲ 0.50% · 4.625%
HK$76,861
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,906/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,847
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,881
−HK$2,063/mo
Today · 4.125%
HK$79,944
baseline
▲ 0.50% · 4.625%
HK$84,158
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,888/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,540
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,014
−HK$2,514/mo
Today · 4.125%
HK$84,528
baseline
▲ 0.50% · 4.625%
HK$89,671
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,056/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,488
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,861
−HK$2,407/mo
Today · 4.125%
HK$93,268
baseline
▲ 0.50% · 4.625%
HK$98,185
+HK$4,917/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,536/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,266
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,447
−HK$3,232/mo
Today · 4.125%
HK$108,679
baseline
▲ 0.50% · 4.625%
HK$115,292
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,358/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,770
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,821
−HK$3,096/mo
Today · 4.125%
HK$119,917
baseline
▲ 0.50% · 4.625%
HK$126,238
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,834/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,923 · Scale 2, in force from 26 Feb 2026)