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$57,888
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,830/mo
Today · 4.125%
HK$61,518
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,036/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,399
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,126
−HK$1,753/mo
Today · 4.125%
HK$67,879
baseline
▲ 0.50% · 4.625%
HK$71,457
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,758/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,626
−HK$2,195/mo
Today · 4.125%
HK$73,821
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$4,492/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$147,642/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,279
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,352
−HK$2,102/mo
Today · 4.125%
HK$81,454
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,294/mo
Deposit HK$10.15M · loan HK$15.23M · min. income ≈ HK$162,908/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,043
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,562/mo
Today · 4.125%
HK$86,125
baseline
▲ 0.50% · 4.625%
HK$91,365
+HK$5,240/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,250/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,159
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,577
−HK$2,453/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,039
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,198
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,439
−HK$3,293/mo
Today · 4.125%
HK$110,732
baseline
▲ 0.50% · 4.625%
HK$117,469
+HK$6,737/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,464/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,919
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,028
−HK$3,153/mo
Today · 4.125%
HK$122,181
baseline
▲ 0.50% · 4.625%
HK$128,622
+HK$6,441/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,362/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,923 · Scale 2, in force from 26 Feb 2026)