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$57,964
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,767
−HK$1,831/mo
Today · 4.125%
HK$61,598
baseline
▲ 0.50% · 4.625%
HK$65,347
+HK$3,749/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,196/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,213
−HK$1,755/mo
Today · 4.125%
HK$67,968
baseline
▲ 0.50% · 4.625%
HK$71,550
+HK$3,582/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,936/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,556
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,720
−HK$2,198/mo
Today · 4.125%
HK$73,918
baseline
▲ 0.50% · 4.625%
HK$78,416
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,836/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,381
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,456
−HK$2,105/mo
Today · 4.125%
HK$81,561
baseline
▲ 0.50% · 4.625%
HK$85,861
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,122/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,149
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,565/mo
Today · 4.125%
HK$86,238
baseline
▲ 0.50% · 4.625%
HK$91,485
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$172,476/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,278
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,699
−HK$2,456/mo
Today · 4.125%
HK$95,155
baseline
▲ 0.50% · 4.625%
HK$100,171
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.79M · min. income ≈ HK$190,310/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,334
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,580
−HK$3,297/mo
Today · 4.125%
HK$110,877
baseline
▲ 0.50% · 4.625%
HK$117,624
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,754/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,071
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,184
−HK$3,158/mo
Today · 4.125%
HK$122,342
baseline
▲ 0.50% · 4.625%
HK$128,791
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,684/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,341 · Scale 2, in force from 26 Feb 2026)