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$57,963
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,832/mo
Today · 4.125%
HK$61,598
baseline
▲ 0.50% · 4.625%
HK$65,346
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,196/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,483
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,213
−HK$1,754/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$71,550
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,556
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$2,199/mo
Today · 4.125%
HK$73,918
baseline
▲ 0.50% · 4.625%
HK$78,415
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,836/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,380
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,455
−HK$2,106/mo
Today · 4.125%
HK$81,561
baseline
▲ 0.50% · 4.625%
HK$85,860
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,122/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,149
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,564/mo
Today · 4.125%
HK$86,237
baseline
▲ 0.50% · 4.625%
HK$91,485
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,474/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,277
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,698
−HK$2,456/mo
Today · 4.125%
HK$95,154
baseline
▲ 0.50% · 4.625%
HK$100,170
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,308/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,334
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,579
−HK$3,297/mo
Today · 4.125%
HK$110,876
baseline
▲ 0.50% · 4.625%
HK$117,623
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,752/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,070
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,183
−HK$3,158/mo
Today · 4.125%
HK$122,341
baseline
▲ 0.50% · 4.625%
HK$128,790
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,682/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,334 · Scale 2, in force from 26 Feb 2026)