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$3,635/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,832/mo
Today · 4.125%
HK$61,611
baseline
▲ 0.50% · 4.625%
HK$65,360
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,222/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,497
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,227
−HK$1,755/mo
Today · 4.125%
HK$67,982
baseline
▲ 0.50% · 4.625%
HK$71,565
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,964/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,571
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$2,198/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$78,432
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,397
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,472
−HK$2,106/mo
Today · 4.125%
HK$81,578
baseline
▲ 0.50% · 4.625%
HK$85,878
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,156/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,166
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,690
−HK$2,566/mo
Today · 4.125%
HK$86,256
baseline
▲ 0.50% · 4.625%
HK$91,504
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,512/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,296
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,718
−HK$2,457/mo
Today · 4.125%
HK$95,175
baseline
▲ 0.50% · 4.625%
HK$100,191
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,350/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,356
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,602
−HK$3,298/mo
Today · 4.125%
HK$110,900
baseline
▲ 0.50% · 4.625%
HK$117,648
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,800/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,095
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,209
−HK$3,158/mo
Today · 4.125%
HK$122,367
baseline
▲ 0.50% · 4.625%
HK$128,817
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,734/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,563 · Scale 2, in force from 26 Feb 2026)