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$57,813
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$59,611
−HK$1,827/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$65,176
+HK$3,738/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,316
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,041
−HK$1,750/mo
Today · 4.125%
HK$67,791
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$3,573/mo
Deposit HK$12.68M · loan HK$12.68M · min. income ≈ HK$135,582/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,375
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,533
−HK$2,193/mo
Today · 4.125%
HK$73,726
baseline
▲ 0.50% · 4.625%
HK$78,212
+HK$4,486/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$147,452/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,179
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,249
−HK$2,100/mo
Today · 4.125%
HK$81,349
baseline
▲ 0.50% · 4.625%
HK$85,637
+HK$4,288/mo
Deposit HK$10.14M · loan HK$15.21M · min. income ≈ HK$162,698/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,938
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,455
−HK$2,558/mo
Today · 4.125%
HK$86,013
baseline
▲ 0.50% · 4.625%
HK$91,247
+HK$5,234/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$172,026/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,042
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,457
−HK$2,450/mo
Today · 4.125%
HK$94,907
baseline
▲ 0.50% · 4.625%
HK$99,910
+HK$5,003/mo
Deposit HK$7.61M · loan HK$17.75M · min. income ≈ HK$189,814/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,063
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,300
−HK$3,288/mo
Today · 4.125%
HK$110,588
baseline
▲ 0.50% · 4.625%
HK$117,318
+HK$6,730/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$221,176/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,769
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,874
−HK$3,149/mo
Today · 4.125%
HK$122,023
baseline
▲ 0.50% · 4.625%
HK$128,455
+HK$6,432/mo
Deposit HK$2.54M · loan HK$22.82M · min. income ≈ HK$244,046/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,077,528 · Scale 2, in force from 26 Feb 2026)