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$59,787
−HK$1,833/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$65,369
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,506
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,236
−HK$1,755/mo
Today · 4.125%
HK$67,991
baseline
▲ 0.50% · 4.625%
HK$71,575
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,982/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,580
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,745
−HK$2,199/mo
Today · 4.125%
HK$73,944
baseline
▲ 0.50% · 4.625%
HK$78,443
+HK$4,499/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$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,407
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,483
−HK$2,106/mo
Today · 4.125%
HK$81,589
baseline
▲ 0.50% · 4.625%
HK$85,890
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,178/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,177
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,702
−HK$2,566/mo
Today · 4.125%
HK$86,268
baseline
▲ 0.50% · 4.625%
HK$91,517
+HK$5,249/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$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,309
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,731
−HK$2,457/mo
Today · 4.125%
HK$95,188
baseline
▲ 0.50% · 4.625%
HK$100,205
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,376/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,370
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,617
−HK$3,298/mo
Today · 4.125%
HK$110,915
baseline
▲ 0.50% · 4.625%
HK$117,664
+HK$6,749/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,830/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,111
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,225
−HK$3,159/mo
Today · 4.125%
HK$122,384
baseline
▲ 0.50% · 4.625%
HK$128,835
+HK$6,451/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,768/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,714 · Scale 2, in force from 26 Feb 2026)