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$56,972
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,800/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$64,228
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,380
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,080
−HK$1,725/mo
Today · 4.125%
HK$66,805
baseline
▲ 0.50% · 4.625%
HK$70,326
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,610/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,366
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,493
−HK$2,160/mo
Today · 4.125%
HK$72,653
baseline
▲ 0.50% · 4.625%
HK$77,074
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,306/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,057
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,070/mo
Today · 4.125%
HK$80,166
baseline
▲ 0.50% · 4.625%
HK$84,391
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,332/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,760
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,241
−HK$2,521/mo
Today · 4.125%
HK$84,762
baseline
▲ 0.50% · 4.625%
HK$89,920
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,524/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,733
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,112
−HK$2,415/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$98,456
+HK$4,929/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,549
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$3,241/mo
Today · 4.125%
HK$108,980
baseline
▲ 0.50% · 4.625%
HK$115,611
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,960/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,085
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,144
−HK$3,104/mo
Today · 4.125%
HK$120,248
baseline
▲ 0.50% · 4.625%
HK$126,587
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,496/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,854 · Scale 2, in force from 26 Feb 2026)