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$57,782
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,579
−HK$1,826/mo
Today · 4.125%
HK$61,405
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,736/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$122,810/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,281
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,005
−HK$1,749/mo
Today · 4.125%
HK$67,754
baseline
▲ 0.50% · 4.625%
HK$71,326
+HK$3,572/mo
Deposit HK$12.67M · loan HK$12.67M · min. income ≈ HK$135,508/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,338
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,495
−HK$2,191/mo
Today · 4.125%
HK$73,686
baseline
▲ 0.50% · 4.625%
HK$78,170
+HK$4,484/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$147,372/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,138
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,206
−HK$2,099/mo
Today · 4.125%
HK$81,305
baseline
▲ 0.50% · 4.625%
HK$85,591
+HK$4,286/mo
Deposit HK$10.14M · loan HK$15.20M · min. income ≈ HK$162,610/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,894
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,410
−HK$2,557/mo
Today · 4.125%
HK$85,967
baseline
▲ 0.50% · 4.625%
HK$91,198
+HK$5,231/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$171,934/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,994
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,408
−HK$2,448/mo
Today · 4.125%
HK$94,856
baseline
▲ 0.50% · 4.625%
HK$99,856
+HK$5,000/mo
Deposit HK$7.60M · loan HK$17.74M · min. income ≈ HK$189,712/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,007
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,242
−HK$3,287/mo
Today · 4.125%
HK$110,529
baseline
▲ 0.50% · 4.625%
HK$117,254
+HK$6,725/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$221,058/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,706
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,810
−HK$3,148/mo
Today · 4.125%
HK$121,958
baseline
▲ 0.50% · 4.625%
HK$128,386
+HK$6,428/mo
Deposit HK$2.53M · loan HK$22.81M · min. income ≈ HK$243,916/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,076,948 · Scale 2, in force from 26 Feb 2026)