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$57,037
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,812
−HK$1,802/mo
Today · 4.125%
HK$60,614
baseline
▲ 0.50% · 4.625%
HK$64,302
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,228/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,454
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,155
−HK$1,727/mo
Today · 4.125%
HK$66,882
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,764/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,574
−HK$2,163/mo
Today · 4.125%
HK$72,737
baseline
▲ 0.50% · 4.625%
HK$77,163
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,474/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,144
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,186
−HK$2,072/mo
Today · 4.125%
HK$80,258
baseline
▲ 0.50% · 4.625%
HK$84,489
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,516/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,852
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,336
−HK$2,524/mo
Today · 4.125%
HK$84,860
baseline
▲ 0.50% · 4.625%
HK$90,023
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,720/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,835
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,217
−HK$2,417/mo
Today · 4.125%
HK$93,634
baseline
▲ 0.50% · 4.625%
HK$98,570
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,268/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,667
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,861
−HK$3,244/mo
Today · 4.125%
HK$109,105
baseline
▲ 0.50% · 4.625%
HK$115,744
+HK$6,639/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,210/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,216
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,280
−HK$3,107/mo
Today · 4.125%
HK$120,387
baseline
▲ 0.50% · 4.625%
HK$126,733
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,774/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,078 · Scale 2, in force from 26 Feb 2026)