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$57,030
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,804
−HK$1,802/mo
Today · 4.125%
HK$60,606
baseline
▲ 0.50% · 4.625%
HK$64,294
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,212/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,445
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,147
−HK$1,726/mo
Today · 4.125%
HK$66,873
baseline
▲ 0.50% · 4.625%
HK$70,398
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,746/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,436
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,565
−HK$2,162/mo
Today · 4.125%
HK$72,727
baseline
▲ 0.50% · 4.625%
HK$77,153
+HK$4,426/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,454/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,134
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,176
−HK$2,072/mo
Today · 4.125%
HK$80,248
baseline
▲ 0.50% · 4.625%
HK$84,478
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,496/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,842
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,325
−HK$2,524/mo
Today · 4.125%
HK$84,849
baseline
▲ 0.50% · 4.625%
HK$90,012
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,698/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,823
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,206
−HK$2,416/mo
Today · 4.125%
HK$93,622
baseline
▲ 0.50% · 4.625%
HK$98,557
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,244/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,654
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,847
−HK$3,244/mo
Today · 4.125%
HK$109,091
baseline
▲ 0.50% · 4.625%
HK$115,729
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,182/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,201
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,264
−HK$3,107/mo
Today · 4.125%
HK$120,371
baseline
▲ 0.50% · 4.625%
HK$126,716
+HK$6,345/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,742/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,939 · Scale 2, in force from 26 Feb 2026)