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$57,885
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,829/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$1,752/mo
Today · 4.125%
HK$67,876
baseline
▲ 0.50% · 4.625%
HK$71,454
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,752/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,462
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,623
−HK$2,195/mo
Today · 4.125%
HK$73,818
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,636/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,276
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,348
−HK$2,103/mo
Today · 4.125%
HK$81,451
baseline
▲ 0.50% · 4.625%
HK$85,744
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,902/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,039
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,560
−HK$2,561/mo
Today · 4.125%
HK$86,121
baseline
▲ 0.50% · 4.625%
HK$91,361
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,242/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,155
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,573
−HK$2,453/mo
Today · 4.125%
HK$95,026
baseline
▲ 0.50% · 4.625%
HK$100,035
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,052/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,193
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,434
−HK$3,293/mo
Today · 4.125%
HK$110,727
baseline
▲ 0.50% · 4.625%
HK$117,465
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,454/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,914
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,023
−HK$3,153/mo
Today · 4.125%
HK$122,176
baseline
▲ 0.50% · 4.625%
HK$128,616
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,352/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,878 · Scale 2, in force from 26 Feb 2026)