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$56,818
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,795/mo
Today · 4.125%
HK$60,381
baseline
▲ 0.50% · 4.625%
HK$64,055
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,762/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,905
−HK$1,720/mo
Today · 4.125%
HK$66,625
baseline
▲ 0.50% · 4.625%
HK$70,137
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,250/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,182
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,303
−HK$2,155/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,852
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,064/mo
Today · 4.125%
HK$79,950
baseline
▲ 0.50% · 4.625%
HK$84,164
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,900/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,546
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,020
−HK$2,514/mo
Today · 4.125%
HK$84,534
baseline
▲ 0.50% · 4.625%
HK$89,678
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,068/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,494
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,867
−HK$2,408/mo
Today · 4.125%
HK$93,275
baseline
▲ 0.50% · 4.625%
HK$98,191
+HK$4,916/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,550/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,273
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,454
−HK$3,232/mo
Today · 4.125%
HK$108,686
baseline
▲ 0.50% · 4.625%
HK$115,300
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,372/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,778
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,829
−HK$3,096/mo
Today · 4.125%
HK$119,925
baseline
▲ 0.50% · 4.625%
HK$126,246
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,850/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,995 · Scale 2, in force from 26 Feb 2026)