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$57,891
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,691
−HK$1,830/mo
Today · 4.125%
HK$61,521
baseline
▲ 0.50% · 4.625%
HK$65,264
+HK$3,743/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$123,042/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,403
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,130
−HK$1,752/mo
Today · 4.125%
HK$67,882
baseline
▲ 0.50% · 4.625%
HK$71,460
+HK$3,578/mo
Deposit HK$12.69M · loan HK$12.69M · min. income ≈ HK$135,764/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,469
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,629
−HK$2,196/mo
Today · 4.125%
HK$73,825
baseline
▲ 0.50% · 4.625%
HK$78,317
+HK$4,492/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$147,650/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,283
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,356
−HK$2,103/mo
Today · 4.125%
HK$81,459
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,293/mo
Deposit HK$10.16M · loan HK$15.23M · min. income ≈ HK$162,918/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,568
−HK$2,561/mo
Today · 4.125%
HK$86,129
baseline
▲ 0.50% · 4.625%
HK$91,370
+HK$5,241/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$172,258/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,164
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,582
−HK$2,453/mo
Today · 4.125%
HK$95,035
baseline
▲ 0.50% · 4.625%
HK$100,044
+HK$5,009/mo
Deposit HK$7.62M · loan HK$17.77M · min. income ≈ HK$190,070/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,203
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,444
−HK$3,293/mo
Today · 4.125%
HK$110,737
baseline
▲ 0.50% · 4.625%
HK$117,475
+HK$6,738/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$221,474/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,925
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,034
−HK$3,154/mo
Today · 4.125%
HK$122,188
baseline
▲ 0.50% · 4.625%
HK$128,628
+HK$6,440/mo
Deposit HK$2.54M · loan HK$22.85M · min. income ≈ HK$244,376/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,078,979 · Scale 2, in force from 26 Feb 2026)