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$57,984
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,788
−HK$1,832/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$65,370
+HK$3,750/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,507
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,237
−HK$1,755/mo
Today · 4.125%
HK$67,992
baseline
▲ 0.50% · 4.625%
HK$71,576
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,984/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,581
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,745
−HK$2,199/mo
Today · 4.125%
HK$73,944
baseline
▲ 0.50% · 4.625%
HK$78,444
+HK$4,500/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,888/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,408
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,106/mo
Today · 4.125%
HK$81,590
baseline
▲ 0.50% · 4.625%
HK$85,891
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,180/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,178
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,703
−HK$2,565/mo
Today · 4.125%
HK$86,268
baseline
▲ 0.50% · 4.625%
HK$91,518
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,536/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,310
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,732
−HK$2,457/mo
Today · 4.125%
HK$95,189
baseline
▲ 0.50% · 4.625%
HK$100,206
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,378/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,372
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,618
−HK$3,299/mo
Today · 4.125%
HK$110,917
baseline
▲ 0.50% · 4.625%
HK$117,666
+HK$6,749/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,834/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,112
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,226
−HK$3,160/mo
Today · 4.125%
HK$122,386
baseline
▲ 0.50% · 4.625%
HK$128,837
+HK$6,451/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,772/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,725 · Scale 2, in force from 26 Feb 2026)