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$57,987
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,791
−HK$1,832/mo
Today · 4.125%
HK$61,623
baseline
▲ 0.50% · 4.625%
HK$65,373
+HK$3,750/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,246/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,510
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,240
−HK$1,755/mo
Today · 4.125%
HK$67,995
baseline
▲ 0.50% · 4.625%
HK$71,579
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,990/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$2,199/mo
Today · 4.125%
HK$73,948
baseline
▲ 0.50% · 4.625%
HK$78,447
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,896/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,412
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,488
−HK$2,106/mo
Today · 4.125%
HK$81,594
baseline
▲ 0.50% · 4.625%
HK$85,895
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,188/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,182
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,707
−HK$2,565/mo
Today · 4.125%
HK$86,272
baseline
▲ 0.50% · 4.625%
HK$91,522
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,544/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,314
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,736
−HK$2,457/mo
Today · 4.125%
HK$95,193
baseline
▲ 0.50% · 4.625%
HK$100,211
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,386/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,376
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,623
−HK$3,299/mo
Today · 4.125%
HK$110,922
baseline
▲ 0.50% · 4.625%
HK$117,671
+HK$6,749/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,844/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,118
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,232
−HK$3,159/mo
Today · 4.125%
HK$122,391
baseline
▲ 0.50% · 4.625%
HK$128,843
+HK$6,452/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,782/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,775 · Scale 2, in force from 26 Feb 2026)