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$56,808
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,795/mo
Today · 4.125%
HK$60,370
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,740/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,198
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,893
−HK$1,720/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,169
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$2,154/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,852
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,063/mo
Today · 4.125%
HK$79,935
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,870/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,531
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,005
−HK$2,513/mo
Today · 4.125%
HK$84,518
baseline
▲ 0.50% · 4.625%
HK$89,661
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,036/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,477
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,850
−HK$2,408/mo
Today · 4.125%
HK$93,258
baseline
▲ 0.50% · 4.625%
HK$98,173
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,516/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,254
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,435
−HK$3,231/mo
Today · 4.125%
HK$108,666
baseline
▲ 0.50% · 4.625%
HK$115,278
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,332/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,757
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,808
−HK$3,095/mo
Today · 4.125%
HK$119,903
baseline
▲ 0.50% · 4.625%
HK$126,223
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,806/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,800 · Scale 2, in force from 26 Feb 2026)