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$57,059
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,803/mo
Today · 4.125%
HK$60,637
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,274/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,477
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,727/mo
Today · 4.125%
HK$66,907
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,814/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,471
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,601
−HK$2,163/mo
Today · 4.125%
HK$72,764
baseline
▲ 0.50% · 4.625%
HK$77,192
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,528/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,173
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,216
−HK$2,072/mo
Today · 4.125%
HK$80,288
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,576/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,882
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,367
−HK$2,525/mo
Today · 4.125%
HK$84,892
baseline
▲ 0.50% · 4.625%
HK$90,057
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,784/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,868
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,252
−HK$2,418/mo
Today · 4.125%
HK$93,670
baseline
▲ 0.50% · 4.625%
HK$98,607
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,340/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,706
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,901
−HK$3,246/mo
Today · 4.125%
HK$109,147
baseline
▲ 0.50% · 4.625%
HK$115,788
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,294/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,259
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,324
−HK$3,109/mo
Today · 4.125%
HK$120,433
baseline
▲ 0.50% · 4.625%
HK$126,781
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,866/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,479 · Scale 2, in force from 26 Feb 2026)