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$57,997
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,833/mo
Today · 4.125%
HK$61,634
baseline
▲ 0.50% · 4.625%
HK$65,384
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,268/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,521
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$1,756/mo
Today · 4.125%
HK$68,007
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,014/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,596
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,761
−HK$2,200/mo
Today · 4.125%
HK$73,961
baseline
▲ 0.50% · 4.625%
HK$78,461
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,922/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,425
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,502
−HK$2,106/mo
Today · 4.125%
HK$81,608
baseline
▲ 0.50% · 4.625%
HK$85,910
+HK$4,302/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,216/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,196
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,721
−HK$2,566/mo
Today · 4.125%
HK$86,287
baseline
▲ 0.50% · 4.625%
HK$91,538
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,574/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,329
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,752
−HK$2,458/mo
Today · 4.125%
HK$95,210
baseline
▲ 0.50% · 4.625%
HK$100,228
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,420/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,395
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,642
−HK$3,299/mo
Today · 4.125%
HK$110,941
baseline
▲ 0.50% · 4.625%
HK$117,692
+HK$6,751/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,882/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,138
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,253
−HK$3,159/mo
Today · 4.125%
HK$122,412
baseline
▲ 0.50% · 4.625%
HK$128,865
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,824/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,963 · Scale 2, in force from 26 Feb 2026)