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$57,996
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,800
−HK$1,833/mo
Today · 4.125%
HK$61,633
baseline
▲ 0.50% · 4.625%
HK$65,383
+HK$3,750/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,266/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,520
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$66,250
−HK$1,756/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$3,584/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,595
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,760
−HK$2,199/mo
Today · 4.125%
HK$73,959
baseline
▲ 0.50% · 4.625%
HK$78,460
+HK$4,501/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,918/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,424
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,500
−HK$2,107/mo
Today · 4.125%
HK$81,607
baseline
▲ 0.50% · 4.625%
HK$85,908
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,214/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,194
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,720
−HK$2,566/mo
Today · 4.125%
HK$86,286
baseline
▲ 0.50% · 4.625%
HK$91,536
+HK$5,250/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,572/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,328
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,750
−HK$2,458/mo
Today · 4.125%
HK$95,208
baseline
▲ 0.50% · 4.625%
HK$100,227
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,416/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,393
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,640
−HK$3,299/mo
Today · 4.125%
HK$110,939
baseline
▲ 0.50% · 4.625%
HK$117,689
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,878/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,136
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,251
−HK$3,159/mo
Today · 4.125%
HK$122,410
baseline
▲ 0.50% · 4.625%
HK$128,863
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,820/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,944 · Scale 2, in force from 26 Feb 2026)