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$57,044
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,819
−HK$1,803/mo
Today · 4.125%
HK$60,622
baseline
▲ 0.50% · 4.625%
HK$64,310
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,244/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,461
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,163
−HK$1,727/mo
Today · 4.125%
HK$66,890
baseline
▲ 0.50% · 4.625%
HK$70,416
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,780/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,453
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,583
−HK$2,163/mo
Today · 4.125%
HK$72,746
baseline
▲ 0.50% · 4.625%
HK$77,172
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,492/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,154
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,196
−HK$2,072/mo
Today · 4.125%
HK$80,268
baseline
▲ 0.50% · 4.625%
HK$84,499
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,536/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,862
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,346
−HK$2,524/mo
Today · 4.125%
HK$84,870
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,740/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,846
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,229
−HK$2,417/mo
Today · 4.125%
HK$93,646
baseline
▲ 0.50% · 4.625%
HK$98,582
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,292/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,680
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,874
−HK$3,245/mo
Today · 4.125%
HK$109,119
baseline
▲ 0.50% · 4.625%
HK$115,759
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,238/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,230
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,294
−HK$3,108/mo
Today · 4.125%
HK$120,402
baseline
▲ 0.50% · 4.625%
HK$126,748
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,804/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,209 · Scale 2, in force from 26 Feb 2026)