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$57,974
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,778
−HK$1,832/mo
Today · 4.125%
HK$61,610
baseline
▲ 0.50% · 4.625%
HK$65,359
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,220/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,496
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,226
−HK$1,755/mo
Today · 4.125%
HK$67,981
baseline
▲ 0.50% · 4.625%
HK$71,564
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,962/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,569
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,733
−HK$2,199/mo
Today · 4.125%
HK$73,932
baseline
▲ 0.50% · 4.625%
HK$78,431
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,864/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,395
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,471
−HK$2,106/mo
Today · 4.125%
HK$81,577
baseline
▲ 0.50% · 4.625%
HK$85,877
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,154/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,164
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,689
−HK$2,565/mo
Today · 4.125%
HK$86,254
baseline
▲ 0.50% · 4.625%
HK$91,502
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,508/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,294
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,716
−HK$2,457/mo
Today · 4.125%
HK$95,173
baseline
▲ 0.50% · 4.625%
HK$100,189
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,346/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,354
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,600
−HK$3,298/mo
Today · 4.125%
HK$110,898
baseline
▲ 0.50% · 4.625%
HK$117,646
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,796/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,093
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,206
−HK$3,159/mo
Today · 4.125%
HK$122,365
baseline
▲ 0.50% · 4.625%
HK$128,815
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,730/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,544 · Scale 2, in force from 26 Feb 2026)