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$57,951
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,831/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$65,333
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,470
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,199
−HK$1,754/mo
Today · 4.125%
HK$67,953
baseline
▲ 0.50% · 4.625%
HK$71,535
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,906/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,542
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,705
−HK$2,198/mo
Today · 4.125%
HK$73,903
baseline
▲ 0.50% · 4.625%
HK$78,399
+HK$4,496/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,806/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,364
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,105/mo
Today · 4.125%
HK$81,544
baseline
▲ 0.50% · 4.625%
HK$85,842
+HK$4,298/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,088/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,132
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,656
−HK$2,564/mo
Today · 4.125%
HK$86,220
baseline
▲ 0.50% · 4.625%
HK$91,466
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,440/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,258
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,679
−HK$2,456/mo
Today · 4.125%
HK$95,135
baseline
▲ 0.50% · 4.625%
HK$100,150
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,270/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,313
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,557
−HK$3,297/mo
Today · 4.125%
HK$110,854
baseline
▲ 0.50% · 4.625%
HK$117,599
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,708/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,047
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,159
−HK$3,157/mo
Today · 4.125%
HK$122,316
baseline
▲ 0.50% · 4.625%
HK$128,764
+HK$6,448/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,632/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,113 · Scale 2, in force from 26 Feb 2026)