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$57,971
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,774
−HK$1,832/mo
Today · 4.125%
HK$61,606
baseline
▲ 0.50% · 4.625%
HK$65,355
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,212/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,492
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,222
−HK$1,754/mo
Today · 4.125%
HK$67,976
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,952/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,565
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,729
−HK$2,199/mo
Today · 4.125%
HK$73,928
baseline
▲ 0.50% · 4.625%
HK$78,426
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,856/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,391
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,466
−HK$2,106/mo
Today · 4.125%
HK$81,572
baseline
▲ 0.50% · 4.625%
HK$85,871
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,144/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,159
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,684
−HK$2,565/mo
Today · 4.125%
HK$86,249
baseline
▲ 0.50% · 4.625%
HK$91,497
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,498/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,289
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,710
−HK$2,457/mo
Today · 4.125%
HK$95,167
baseline
▲ 0.50% · 4.625%
HK$100,183
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,334/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,348
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,594
−HK$3,297/mo
Today · 4.125%
HK$110,891
baseline
▲ 0.50% · 4.625%
HK$117,639
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,782/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,086
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,199
−HK$3,159/mo
Today · 4.125%
HK$122,358
baseline
▲ 0.50% · 4.625%
HK$128,807
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,716/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,478 · Scale 2, in force from 26 Feb 2026)