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$3,634/mo
▼ 0.25% · 3.875%
HK$59,764
−HK$1,831/mo
Today · 4.125%
HK$61,595
baseline
▲ 0.50% · 4.625%
HK$65,343
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,190/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,481
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,210
−HK$1,754/mo
Today · 4.125%
HK$67,964
baseline
▲ 0.50% · 4.625%
HK$71,547
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,928/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,553
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$2,198/mo
Today · 4.125%
HK$73,914
baseline
▲ 0.50% · 4.625%
HK$78,412
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,828/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,377
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,105/mo
Today · 4.125%
HK$81,557
baseline
▲ 0.50% · 4.625%
HK$85,856
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,114/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,145
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,669
−HK$2,564/mo
Today · 4.125%
HK$86,233
baseline
▲ 0.50% · 4.625%
HK$91,481
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,466/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,286 · 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$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,329
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,574
−HK$3,298/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$1,080,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,065
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,178
−HK$3,158/mo
Today · 4.125%
HK$122,336
baseline
▲ 0.50% · 4.625%
HK$128,784
+HK$6,448/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$1,080,286 · Scale 2, in force from 26 Feb 2026)