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$56,806
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,795/mo
Today · 4.125%
HK$60,368
baseline
▲ 0.50% · 4.625%
HK$64,041
+HK$3,673/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,736/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,196
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,891
−HK$1,719/mo
Today · 4.125%
HK$66,610
baseline
▲ 0.50% · 4.625%
HK$70,122
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,220/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,167
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,288
−HK$2,154/mo
Today · 4.125%
HK$72,442
baseline
▲ 0.50% · 4.625%
HK$76,850
+HK$4,408/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$144,884/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,835
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,869
−HK$2,063/mo
Today · 4.125%
HK$79,932
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,214/mo
Deposit HK$9.96M · loan HK$14.95M · min. income ≈ HK$159,864/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,528
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,002
−HK$2,514/mo
Today · 4.125%
HK$84,516
baseline
▲ 0.50% · 4.625%
HK$89,658
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,032/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,475
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,847
−HK$2,408/mo
Today · 4.125%
HK$93,255
baseline
▲ 0.50% · 4.625%
HK$98,170
+HK$4,915/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,510/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,251
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,431
−HK$3,232/mo
Today · 4.125%
HK$108,663
baseline
▲ 0.50% · 4.625%
HK$115,275
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,326/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,753
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,804
−HK$3,095/mo
Today · 4.125%
HK$119,899
baseline
▲ 0.50% · 4.625%
HK$126,219
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,798/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,765 · Scale 2, in force from 26 Feb 2026)