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$57,993
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,797
−HK$1,833/mo
Today · 4.125%
HK$61,630
baseline
▲ 0.50% · 4.625%
HK$65,380
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,260/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,517
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,247
−HK$1,756/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$71,587
+HK$3,584/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,592
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,757
−HK$2,199/mo
Today · 4.125%
HK$73,956
baseline
▲ 0.50% · 4.625%
HK$78,456
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,912/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,420
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,497
−HK$2,106/mo
Today · 4.125%
HK$81,603
baseline
▲ 0.50% · 4.625%
HK$85,904
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,206/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,191
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,716
−HK$2,566/mo
Today · 4.125%
HK$86,282
baseline
▲ 0.50% · 4.625%
HK$91,532
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,564/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,324
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,746
−HK$2,458/mo
Today · 4.125%
HK$95,204
baseline
▲ 0.50% · 4.625%
HK$100,222
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,408/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,388
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,635
−HK$3,299/mo
Today · 4.125%
HK$110,934
baseline
▲ 0.50% · 4.625%
HK$117,684
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,868/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,130
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,245
−HK$3,160/mo
Today · 4.125%
HK$122,405
baseline
▲ 0.50% · 4.625%
HK$128,857
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,810/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,893 · Scale 2, in force from 26 Feb 2026)