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$57,965
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,832/mo
Today · 4.125%
HK$61,600
baseline
▲ 0.50% · 4.625%
HK$65,348
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,200/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,486
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$1,755/mo
Today · 4.125%
HK$67,970
baseline
▲ 0.50% · 4.625%
HK$71,552
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,940/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,722
−HK$2,198/mo
Today · 4.125%
HK$73,920
baseline
▲ 0.50% · 4.625%
HK$78,418
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,840/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,383
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,458
−HK$2,105/mo
Today · 4.125%
HK$81,563
baseline
▲ 0.50% · 4.625%
HK$85,863
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,126/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,151
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,675
−HK$2,565/mo
Today · 4.125%
HK$86,240
baseline
▲ 0.50% · 4.625%
HK$91,488
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,480/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,280
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,701
−HK$2,456/mo
Today · 4.125%
HK$95,157
baseline
▲ 0.50% · 4.625%
HK$100,173
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,314/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,337
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,583
−HK$3,297/mo
Today · 4.125%
HK$110,880
baseline
▲ 0.50% · 4.625%
HK$117,627
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,760/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,074
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,187
−HK$3,158/mo
Today · 4.125%
HK$122,345
baseline
▲ 0.50% · 4.625%
HK$128,794
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,690/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,369 · Scale 2, in force from 26 Feb 2026)