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$58,046
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,852
−HK$1,834/mo
Today · 4.125%
HK$61,686
baseline
▲ 0.50% · 4.625%
HK$65,440
+HK$3,754/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,372/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,576
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,308
−HK$1,757/mo
Today · 4.125%
HK$68,065
baseline
▲ 0.50% · 4.625%
HK$71,652
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,130/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,655
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,822
−HK$2,201/mo
Today · 4.125%
HK$74,023
baseline
▲ 0.50% · 4.625%
HK$78,528
+HK$4,505/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,046/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,491
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,108/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$85,983
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,265
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,569/mo
Today · 4.125%
HK$86,361
baseline
▲ 0.50% · 4.625%
HK$91,615
+HK$5,254/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,722/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,406
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,831
−HK$2,459/mo
Today · 4.125%
HK$95,290
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,580/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,483
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,733
−HK$3,302/mo
Today · 4.125%
HK$111,035
baseline
▲ 0.50% · 4.625%
HK$117,791
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,070/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,236
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,354
−HK$3,162/mo
Today · 4.125%
HK$122,516
baseline
▲ 0.50% · 4.625%
HK$128,974
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,032/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,879 · Scale 2, in force from 26 Feb 2026)