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$57,969
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,772
−HK$1,832/mo
Today · 4.125%
HK$61,604
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,208/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,490
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,219
−HK$1,755/mo
Today · 4.125%
HK$67,974
baseline
▲ 0.50% · 4.625%
HK$71,557
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,948/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,726
−HK$2,199/mo
Today · 4.125%
HK$73,925
baseline
▲ 0.50% · 4.625%
HK$78,423
+HK$4,498/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,850/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,388
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,463
−HK$2,106/mo
Today · 4.125%
HK$81,569
baseline
▲ 0.50% · 4.625%
HK$85,868
+HK$4,299/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,138/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,156
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,681
−HK$2,565/mo
Today · 4.125%
HK$86,246
baseline
▲ 0.50% · 4.625%
HK$91,493
+HK$5,247/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,492/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,286
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,707
−HK$2,456/mo
Today · 4.125%
HK$95,163
baseline
▲ 0.50% · 4.625%
HK$100,180
+HK$5,017/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,326/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,344
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,590
−HK$3,297/mo
Today · 4.125%
HK$110,887
baseline
▲ 0.50% · 4.625%
HK$117,634
+HK$6,747/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,774/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,082
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,195
−HK$3,158/mo
Today · 4.125%
HK$122,353
baseline
▲ 0.50% · 4.625%
HK$128,802
+HK$6,449/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,706/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,438 · Scale 2, in force from 26 Feb 2026)