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$57,969
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,772
−HK$1,832/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$65,353
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,490
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$1,754/mo
Today · 4.125%
HK$67,974
baseline
▲ 0.50% · 4.625%
HK$71,557
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,948/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,727
−HK$2,198/mo
Today · 4.125%
HK$73,925
baseline
▲ 0.50% · 4.625%
HK$78,423
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,850/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,388
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,105/mo
Today · 4.125%
HK$81,569
baseline
▲ 0.50% · 4.625%
HK$85,869
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,138/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,565/mo
Today · 4.125%
HK$86,246
baseline
▲ 0.50% · 4.625%
HK$91,494
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,492/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,456/mo
Today · 4.125%
HK$95,164
baseline
▲ 0.50% · 4.625%
HK$100,180
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,328/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,345
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,590
−HK$3,298/mo
Today · 4.125%
HK$110,888
baseline
▲ 0.50% · 4.625%
HK$117,635
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,776/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,082
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,196
−HK$3,158/mo
Today · 4.125%
HK$122,354
baseline
▲ 0.50% · 4.625%
HK$128,803
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,708/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,446 · Scale 2, in force from 26 Feb 2026)