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$57,961
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,764
−HK$1,832/mo
Today · 4.125%
HK$61,596
baseline
▲ 0.50% · 4.625%
HK$65,343
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,192/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,481
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,210
−HK$1,755/mo
Today · 4.125%
HK$67,965
baseline
▲ 0.50% · 4.625%
HK$71,547
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,930/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,553
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,717
−HK$2,198/mo
Today · 4.125%
HK$73,915
baseline
▲ 0.50% · 4.625%
HK$78,412
+HK$4,497/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,830/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,377
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,106/mo
Today · 4.125%
HK$81,558
baseline
▲ 0.50% · 4.625%
HK$85,857
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,116/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,145
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,669
−HK$2,565/mo
Today · 4.125%
HK$86,234
baseline
▲ 0.50% · 4.625%
HK$91,481
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,468/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,273
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,694
−HK$2,456/mo
Today · 4.125%
HK$95,150
baseline
▲ 0.50% · 4.625%
HK$100,166
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,300/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,330
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,575
−HK$3,297/mo
Today · 4.125%
HK$110,872
baseline
▲ 0.50% · 4.625%
HK$117,618
+HK$6,746/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,744/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,066
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,178
−HK$3,158/mo
Today · 4.125%
HK$122,336
baseline
▲ 0.50% · 4.625%
HK$128,785
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,672/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,290 · Scale 2, in force from 26 Feb 2026)