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$57,950
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,752
−HK$1,832/mo
Today · 4.125%
HK$61,584
baseline
▲ 0.50% · 4.625%
HK$65,331
+HK$3,747/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,168/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,469
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,198
−HK$1,754/mo
Today · 4.125%
HK$67,952
baseline
▲ 0.50% · 4.625%
HK$71,534
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,904/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,540
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,703
−HK$2,198/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$78,397
+HK$4,496/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,362
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,437
−HK$2,105/mo
Today · 4.125%
HK$81,542
baseline
▲ 0.50% · 4.625%
HK$85,840
+HK$4,298/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,084/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,130
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$83,653
−HK$2,564/mo
Today · 4.125%
HK$86,217
baseline
▲ 0.50% · 4.625%
HK$91,463
+HK$5,246/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$172,434/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,256
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,677
−HK$2,455/mo
Today · 4.125%
HK$95,132
baseline
▲ 0.50% · 4.625%
HK$100,147
+HK$5,015/mo
Deposit HK$7.62M · loan HK$17.79M · min. income ≈ HK$190,264/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,310
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,554
−HK$3,297/mo
Today · 4.125%
HK$110,851
baseline
▲ 0.50% · 4.625%
HK$117,596
+HK$6,745/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$221,702/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,044
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,156
−HK$3,157/mo
Today · 4.125%
HK$122,313
baseline
▲ 0.50% · 4.625%
HK$128,760
+HK$6,447/mo
Deposit HK$2.54M · loan HK$22.87M · min. income ≈ HK$244,626/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,085 · Scale 2, in force from 26 Feb 2026)