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$57,878
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,678
−HK$1,830/mo
Today · 4.125%
HK$61,508
baseline
▲ 0.50% · 4.625%
HK$65,250
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,016/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,389
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,116
−HK$1,752/mo
Today · 4.125%
HK$67,868
baseline
▲ 0.50% · 4.625%
HK$71,445
+HK$3,577/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,736/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,454
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,614
−HK$2,195/mo
Today · 4.125%
HK$73,809
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$4,491/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,618/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,267
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,339
−HK$2,102/mo
Today · 4.125%
HK$81,441
baseline
▲ 0.50% · 4.625%
HK$85,734
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,882/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,029
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,550
−HK$2,561/mo
Today · 4.125%
HK$86,111
baseline
▲ 0.50% · 4.625%
HK$91,350
+HK$5,239/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$172,222/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,144
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,562
−HK$2,453/mo
Today · 4.125%
HK$95,015
baseline
▲ 0.50% · 4.625%
HK$100,023
+HK$5,008/mo
Deposit HK$7.61M · loan HK$17.77M · min. income ≈ HK$190,030/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,181
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,421
−HK$3,293/mo
Today · 4.125%
HK$110,714
baseline
▲ 0.50% · 4.625%
HK$117,450
+HK$6,736/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$221,428/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,900
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,008
−HK$3,154/mo
Today · 4.125%
HK$122,162
baseline
▲ 0.50% · 4.625%
HK$128,601
+HK$6,439/mo
Deposit HK$2.54M · loan HK$22.84M · min. income ≈ HK$244,324/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,748 · Scale 2, in force from 26 Feb 2026)