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$57,885
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,685
−HK$1,829/mo
Today · 4.125%
HK$61,514
baseline
▲ 0.50% · 4.625%
HK$65,257
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,028/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,396
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,123
−HK$1,752/mo
Today · 4.125%
HK$67,875
baseline
▲ 0.50% · 4.625%
HK$71,453
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,750/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,462
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,622
−HK$2,195/mo
Today · 4.125%
HK$73,817
baseline
▲ 0.50% · 4.625%
HK$78,309
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,634/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,275
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,348
−HK$2,102/mo
Today · 4.125%
HK$81,450
baseline
▲ 0.50% · 4.625%
HK$85,744
+HK$4,294/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,900/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,038
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,559
−HK$2,561/mo
Today · 4.125%
HK$86,120
baseline
▲ 0.50% · 4.625%
HK$91,360
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,240/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,154
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,572
−HK$2,453/mo
Today · 4.125%
HK$95,025
baseline
▲ 0.50% · 4.625%
HK$100,034
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,050/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,192
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,433
−HK$3,293/mo
Today · 4.125%
HK$110,726
baseline
▲ 0.50% · 4.625%
HK$117,463
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,452/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,913
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,022
−HK$3,153/mo
Today · 4.125%
HK$122,175
baseline
▲ 0.50% · 4.625%
HK$128,615
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,350/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,868 · Scale 2, in force from 26 Feb 2026)