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$57,973
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,776
−HK$1,833/mo
Today · 4.125%
HK$61,609
baseline
▲ 0.50% · 4.625%
HK$65,357
+HK$3,748/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$123,218/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,495
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,224
−HK$1,755/mo
Today · 4.125%
HK$67,979
baseline
▲ 0.50% · 4.625%
HK$71,562
+HK$3,583/mo
Deposit HK$12.71M · loan HK$12.71M · min. income ≈ HK$135,958/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,568
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,732
−HK$2,198/mo
Today · 4.125%
HK$73,930
baseline
▲ 0.50% · 4.625%
HK$78,429
+HK$4,499/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$147,860/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,393
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,469
−HK$2,106/mo
Today · 4.125%
HK$81,575
baseline
▲ 0.50% · 4.625%
HK$85,875
+HK$4,300/mo
Deposit HK$10.17M · loan HK$15.25M · min. income ≈ HK$163,150/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,162
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,687
−HK$2,565/mo
Today · 4.125%
HK$86,252
baseline
▲ 0.50% · 4.625%
HK$91,500
+HK$5,248/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$172,504/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,292
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,714
−HK$2,457/mo
Today · 4.125%
HK$95,171
baseline
▲ 0.50% · 4.625%
HK$100,187
+HK$5,016/mo
Deposit HK$7.63M · loan HK$17.80M · min. income ≈ HK$190,342/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,352
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,598
−HK$3,297/mo
Today · 4.125%
HK$110,895
baseline
▲ 0.50% · 4.625%
HK$117,643
+HK$6,748/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$221,790/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,090
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,204
−HK$3,158/mo
Today · 4.125%
HK$122,362
baseline
▲ 0.50% · 4.625%
HK$128,812
+HK$6,450/mo
Deposit HK$2.54M · loan HK$22.88M · min. income ≈ HK$244,724/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$1,080,519 · Scale 2, in force from 26 Feb 2026)