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$57,077
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,853
−HK$1,804/mo
Today · 4.125%
HK$60,657
baseline
▲ 0.50% · 4.625%
HK$64,347
+HK$3,690/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,314/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,498
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,201
−HK$1,728/mo
Today · 4.125%
HK$66,929
baseline
▲ 0.50% · 4.625%
HK$70,456
+HK$3,527/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,858/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,493
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,623
−HK$2,165/mo
Today · 4.125%
HK$72,788
baseline
▲ 0.50% · 4.625%
HK$77,217
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,576/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,197
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,241
−HK$2,073/mo
Today · 4.125%
HK$80,314
baseline
▲ 0.50% · 4.625%
HK$84,548
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,628/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,908
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,525/mo
Today · 4.125%
HK$84,919
baseline
▲ 0.50% · 4.625%
HK$90,086
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,838/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,897
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,281
−HK$2,419/mo
Today · 4.125%
HK$93,700
baseline
▲ 0.50% · 4.625%
HK$98,639
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,400/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,739
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,935
−HK$3,247/mo
Today · 4.125%
HK$109,182
baseline
▲ 0.50% · 4.625%
HK$115,825
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,364/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,296
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,362
−HK$3,109/mo
Today · 4.125%
HK$120,471
baseline
▲ 0.50% · 4.625%
HK$126,822
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,942/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,822 · Scale 2, in force from 26 Feb 2026)