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$57,946
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,748
−HK$1,831/mo
Today · 4.125%
HK$61,579
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,158/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,464
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,193
−HK$1,754/mo
Today · 4.125%
HK$67,947
baseline
▲ 0.50% · 4.625%
HK$71,528
+HK$3,581/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,894/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,535
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,698
−HK$2,197/mo
Today · 4.125%
HK$73,895
baseline
▲ 0.50% · 4.625%
HK$78,392
+HK$4,497/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$147,790/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,357
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,431
−HK$2,105/mo
Today · 4.125%
HK$81,536
baseline
▲ 0.50% · 4.625%
HK$85,834
+HK$4,298/mo
Deposit HK$10.16M · loan HK$15.25M · min. income ≈ HK$163,072/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,124
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,647
−HK$2,564/mo
Today · 4.125%
HK$86,211
baseline
▲ 0.50% · 4.625%
HK$91,457
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,422/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,249
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,670
−HK$2,455/mo
Today · 4.125%
HK$95,125
baseline
▲ 0.50% · 4.625%
HK$100,140
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,250/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,302
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,546
−HK$3,297/mo
Today · 4.125%
HK$110,843
baseline
▲ 0.50% · 4.625%
HK$117,587
+HK$6,744/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,686/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,035
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,147
−HK$3,157/mo
Today · 4.125%
HK$122,304
baseline
▲ 0.50% · 4.625%
HK$128,751
+HK$6,447/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,608/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,005 · Scale 2, in force from 26 Feb 2026)