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$56,869
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,638
−HK$1,797/mo
Today · 4.125%
HK$60,435
baseline
▲ 0.50% · 4.625%
HK$64,113
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,870/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,266
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,963
−HK$1,722/mo
Today · 4.125%
HK$66,685
baseline
▲ 0.50% · 4.625%
HK$70,200
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,370/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,243
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,366
−HK$2,157/mo
Today · 4.125%
HK$72,523
baseline
▲ 0.50% · 4.625%
HK$76,935
+HK$4,412/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,046/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,920
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,956
−HK$2,066/mo
Today · 4.125%
HK$80,022
baseline
▲ 0.50% · 4.625%
HK$84,240
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,044/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,617
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,094
−HK$2,516/mo
Today · 4.125%
HK$84,610
baseline
▲ 0.50% · 4.625%
HK$89,758
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,220/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,573
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,949
−HK$2,409/mo
Today · 4.125%
HK$93,358
baseline
▲ 0.50% · 4.625%
HK$98,279
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,716/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,365
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,549
−HK$3,235/mo
Today · 4.125%
HK$108,784
baseline
▲ 0.50% · 4.625%
HK$115,403
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,568/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,880
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,934
−HK$3,098/mo
Today · 4.125%
HK$120,032
baseline
▲ 0.50% · 4.625%
HK$126,359
+HK$6,327/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,064/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,944 · Scale 2, in force from 26 Feb 2026)