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$57,976
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,832/mo
Today · 4.125%
HK$61,612
baseline
▲ 0.50% · 4.625%
HK$65,361
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,224/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,498
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$1,755/mo
Today · 4.125%
HK$67,983
baseline
▲ 0.50% · 4.625%
HK$71,566
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,966/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,572
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,736
−HK$2,198/mo
Today · 4.125%
HK$73,934
baseline
▲ 0.50% · 4.625%
HK$78,433
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,868/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,398
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,473
−HK$2,106/mo
Today · 4.125%
HK$81,579
baseline
▲ 0.50% · 4.625%
HK$85,879
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,158/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,167
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,692
−HK$2,565/mo
Today · 4.125%
HK$86,257
baseline
▲ 0.50% · 4.625%
HK$91,505
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,514/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,297
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,719
−HK$2,457/mo
Today · 4.125%
HK$95,176
baseline
▲ 0.50% · 4.625%
HK$100,193
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,352/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,357
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,603
−HK$3,298/mo
Today · 4.125%
HK$110,901
baseline
▲ 0.50% · 4.625%
HK$117,649
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,802/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,096
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,210
−HK$3,159/mo
Today · 4.125%
HK$122,369
baseline
▲ 0.50% · 4.625%
HK$128,819
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,738/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,577 · Scale 2, in force from 26 Feb 2026)