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$57,997
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,833/mo
Today · 4.125%
HK$61,634
baseline
▲ 0.50% · 4.625%
HK$65,385
+HK$3,751/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,268/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,522
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,252
−HK$1,755/mo
Today · 4.125%
HK$68,007
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$3,585/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,014/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,597
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,762
−HK$2,199/mo
Today · 4.125%
HK$73,961
baseline
▲ 0.50% · 4.625%
HK$78,462
+HK$4,501/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$147,922/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,426
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,502
−HK$2,107/mo
Today · 4.125%
HK$81,609
baseline
▲ 0.50% · 4.625%
HK$85,911
+HK$4,302/mo
Deposit HK$10.17M · loan HK$15.26M · min. income ≈ HK$163,218/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,196
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,722
−HK$2,566/mo
Today · 4.125%
HK$86,288
baseline
▲ 0.50% · 4.625%
HK$91,539
+HK$5,251/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,576/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,330
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,753
−HK$2,457/mo
Today · 4.125%
HK$95,210
baseline
▲ 0.50% · 4.625%
HK$100,229
+HK$5,019/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,420/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,395
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,643
−HK$3,299/mo
Today · 4.125%
HK$110,942
baseline
▲ 0.50% · 4.625%
HK$117,692
+HK$6,750/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$221,884/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,139
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,254
−HK$3,159/mo
Today · 4.125%
HK$122,413
baseline
▲ 0.50% · 4.625%
HK$128,866
+HK$6,453/mo
Deposit HK$2.54M · loan HK$22.89M · min. income ≈ HK$244,826/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,971 · Scale 2, in force from 26 Feb 2026)