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$57,985
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,789
−HK$1,832/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,750/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$1,755/mo
Today · 4.125%
HK$67,993
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$3,584/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,986/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,582
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,747
−HK$2,199/mo
Today · 4.125%
HK$73,946
baseline
▲ 0.50% · 4.625%
HK$78,445
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,892/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,410
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,486
−HK$2,106/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$85,893
+HK$4,301/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,179
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,704
−HK$2,566/mo
Today · 4.125%
HK$86,270
baseline
▲ 0.50% · 4.625%
HK$91,519
+HK$5,249/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,540/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,311
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,733
−HK$2,457/mo
Today · 4.125%
HK$95,190
baseline
▲ 0.50% · 4.625%
HK$100,208
+HK$5,018/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,380/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,373
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,620
−HK$3,298/mo
Today · 4.125%
HK$110,918
baseline
▲ 0.50% · 4.625%
HK$117,668
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,836/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,114
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,228
−HK$3,160/mo
Today · 4.125%
HK$122,388
baseline
▲ 0.50% · 4.625%
HK$128,839
+HK$6,451/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,776/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,743 · Scale 2, in force from 26 Feb 2026)