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$57,990
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,794
−HK$1,832/mo
Today · 4.125%
HK$61,626
baseline
▲ 0.50% · 4.625%
HK$65,376
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,252/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,513
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,243
−HK$1,756/mo
Today · 4.125%
HK$67,999
baseline
▲ 0.50% · 4.625%
HK$71,583
+HK$3,584/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$135,998/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,588
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,752
−HK$2,200/mo
Today · 4.125%
HK$73,952
baseline
▲ 0.50% · 4.625%
HK$78,451
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,904/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,416
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,492
−HK$2,106/mo
Today · 4.125%
HK$81,598
baseline
▲ 0.50% · 4.625%
HK$85,899
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,196/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,186
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,711
−HK$2,566/mo
Today · 4.125%
HK$86,277
baseline
▲ 0.50% · 4.625%
HK$91,527
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,554/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,318
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,741
−HK$2,457/mo
Today · 4.125%
HK$95,198
baseline
▲ 0.50% · 4.625%
HK$100,216
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,396/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,382
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,629
−HK$3,298/mo
Today · 4.125%
HK$110,927
baseline
▲ 0.50% · 4.625%
HK$117,677
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,854/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,124
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,238
−HK$3,159/mo
Today · 4.125%
HK$122,397
baseline
▲ 0.50% · 4.625%
HK$128,849
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,794/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,829 · Scale 2, in force from 26 Feb 2026)