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$56,976
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,800/mo
Today · 4.125%
HK$60,549
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,685/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,098/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,724/mo
Today · 4.125%
HK$66,810
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$3,522/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,620/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,498
−HK$2,161/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$77,080
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,063
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,069/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$84,398
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,767
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,248
−HK$2,521/mo
Today · 4.125%
HK$84,769
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,538/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,740
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,120
−HK$2,414/mo
Today · 4.125%
HK$93,534
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,068/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,558
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,748
−HK$3,241/mo
Today · 4.125%
HK$108,989
baseline
▲ 0.50% · 4.625%
HK$115,620
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,978/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,094
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,154
−HK$3,104/mo
Today · 4.125%
HK$120,258
baseline
▲ 0.50% · 4.625%
HK$126,597
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,516/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,941 · Scale 2, in force from 26 Feb 2026)