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$57,057
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,832
−HK$1,803/mo
Today · 4.125%
HK$60,635
baseline
▲ 0.50% · 4.625%
HK$64,325
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,270/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,476
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,178
−HK$1,727/mo
Today · 4.125%
HK$66,905
baseline
▲ 0.50% · 4.625%
HK$70,432
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,810/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,469
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,599
−HK$2,164/mo
Today · 4.125%
HK$72,763
baseline
▲ 0.50% · 4.625%
HK$77,190
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,526/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,171
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,214
−HK$2,072/mo
Today · 4.125%
HK$80,286
baseline
▲ 0.50% · 4.625%
HK$84,518
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,572/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,880
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,365
−HK$2,525/mo
Today · 4.125%
HK$84,890
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,780/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,866
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,249
−HK$2,418/mo
Today · 4.125%
HK$93,667
baseline
▲ 0.50% · 4.625%
HK$98,605
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,334/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,703
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,898
−HK$3,246/mo
Today · 4.125%
HK$109,144
baseline
▲ 0.50% · 4.625%
HK$115,785
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,288/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,256
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,321
−HK$3,108/mo
Today · 4.125%
HK$120,429
baseline
▲ 0.50% · 4.625%
HK$126,777
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,858/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,451 · Scale 2, in force from 26 Feb 2026)