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$57,972
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,775
−HK$1,832/mo
Today · 4.125%
HK$61,607
baseline
▲ 0.50% · 4.625%
HK$65,356
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,214/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,493
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,223
−HK$1,754/mo
Today · 4.125%
HK$67,977
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,954/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,566
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,730
−HK$2,198/mo
Today · 4.125%
HK$73,928
baseline
▲ 0.50% · 4.625%
HK$78,427
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,856/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,391
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,467
−HK$2,106/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$85,873
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,160
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,685
−HK$2,565/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$91,498
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,290
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,712
−HK$2,456/mo
Today · 4.125%
HK$95,168
baseline
▲ 0.50% · 4.625%
HK$100,185
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,336/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,349
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,595
−HK$3,298/mo
Today · 4.125%
HK$110,893
baseline
▲ 0.50% · 4.625%
HK$117,640
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,786/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,087
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,201
−HK$3,158/mo
Today · 4.125%
HK$122,359
baseline
▲ 0.50% · 4.625%
HK$128,809
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,718/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,491 · Scale 2, in force from 26 Feb 2026)