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$57,962
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,765
−HK$1,832/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$65,345
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,482
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$1,754/mo
Today · 4.125%
HK$67,966
baseline
▲ 0.50% · 4.625%
HK$71,549
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,932/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,555
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,718
−HK$2,198/mo
Today · 4.125%
HK$73,916
baseline
▲ 0.50% · 4.625%
HK$78,414
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,832/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,105/mo
Today · 4.125%
HK$81,559
baseline
▲ 0.50% · 4.625%
HK$85,858
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,118/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,147
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,565/mo
Today · 4.125%
HK$86,236
baseline
▲ 0.50% · 4.625%
HK$91,483
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,472/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,275
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,696
−HK$2,456/mo
Today · 4.125%
HK$95,152
baseline
▲ 0.50% · 4.625%
HK$100,168
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,304/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,332
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,577
−HK$3,297/mo
Today · 4.125%
HK$110,874
baseline
▲ 0.50% · 4.625%
HK$117,621
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,748/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,068
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,181
−HK$3,158/mo
Today · 4.125%
HK$122,339
baseline
▲ 0.50% · 4.625%
HK$128,787
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,678/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,313 · Scale 2, in force from 26 Feb 2026)