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$57,884
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,684
−HK$1,830/mo
Today · 4.125%
HK$61,514
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,742/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,028/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,395
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,122
−HK$1,752/mo
Today · 4.125%
HK$67,874
baseline
▲ 0.50% · 4.625%
HK$71,452
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,748/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,460
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,621
−HK$2,195/mo
Today · 4.125%
HK$73,816
baseline
▲ 0.50% · 4.625%
HK$78,308
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,632/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,346
−HK$2,103/mo
Today · 4.125%
HK$81,449
baseline
▲ 0.50% · 4.625%
HK$85,742
+HK$4,293/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,898/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,037
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,558
−HK$2,561/mo
Today · 4.125%
HK$86,119
baseline
▲ 0.50% · 4.625%
HK$91,359
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,238/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,153
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,571
−HK$2,453/mo
Today · 4.125%
HK$95,024
baseline
▲ 0.50% · 4.625%
HK$100,033
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,048/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,191
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,432
−HK$3,292/mo
Today · 4.125%
HK$110,724
baseline
▲ 0.50% · 4.625%
HK$117,462
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,448/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,911
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,020
−HK$3,153/mo
Today · 4.125%
HK$122,173
baseline
▲ 0.50% · 4.625%
HK$128,613
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,346/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,852 · Scale 2, in force from 26 Feb 2026)