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$57,886
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,830/mo
Today · 4.125%
HK$61,516
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,032/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$1,752/mo
Today · 4.125%
HK$67,876
baseline
▲ 0.50% · 4.625%
HK$71,454
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,752/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,463
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,624
−HK$2,195/mo
Today · 4.125%
HK$73,819
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,638/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,277
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,349
−HK$2,103/mo
Today · 4.125%
HK$81,452
baseline
▲ 0.50% · 4.625%
HK$85,745
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,904/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,040
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,561
−HK$2,561/mo
Today · 4.125%
HK$86,122
baseline
▲ 0.50% · 4.625%
HK$91,362
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,244/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,156
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,574
−HK$2,453/mo
Today · 4.125%
HK$95,027
baseline
▲ 0.50% · 4.625%
HK$100,036
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,054/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,194
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,435
−HK$3,293/mo
Today · 4.125%
HK$110,728
baseline
▲ 0.50% · 4.625%
HK$117,466
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,456/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,915
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,024
−HK$3,154/mo
Today · 4.125%
HK$122,178
baseline
▲ 0.50% · 4.625%
HK$128,618
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,356/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,889 · Scale 2, in force from 26 Feb 2026)