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$57,992
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,833/mo
Today · 4.125%
HK$61,629
baseline
▲ 0.50% · 4.625%
HK$65,379
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,258/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,516
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,246
−HK$1,755/mo
Today · 4.125%
HK$68,001
baseline
▲ 0.50% · 4.625%
HK$71,586
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,002/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,591
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,755
−HK$2,200/mo
Today · 4.125%
HK$73,955
baseline
▲ 0.50% · 4.625%
HK$78,455
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,910/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,419
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,495
−HK$2,107/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$85,903
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,189
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,714
−HK$2,566/mo
Today · 4.125%
HK$86,280
baseline
▲ 0.50% · 4.625%
HK$91,530
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,560/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,322
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,744
−HK$2,458/mo
Today · 4.125%
HK$95,202
baseline
▲ 0.50% · 4.625%
HK$100,220
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,404/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,386
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,633
−HK$3,299/mo
Today · 4.125%
HK$110,932
baseline
▲ 0.50% · 4.625%
HK$117,682
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,864/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,128
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,243
−HK$3,159/mo
Today · 4.125%
HK$122,402
baseline
▲ 0.50% · 4.625%
HK$128,854
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,804/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,873 · Scale 2, in force from 26 Feb 2026)