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$57,055
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,830
−HK$1,803/mo
Today · 4.125%
HK$60,633
baseline
▲ 0.50% · 4.625%
HK$64,323
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,266/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,176
−HK$1,727/mo
Today · 4.125%
HK$66,903
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,806/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,466
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$2,164/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$77,187
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,168
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,211
−HK$2,072/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$84,515
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,877
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,362
−HK$2,524/mo
Today · 4.125%
HK$84,886
baseline
▲ 0.50% · 4.625%
HK$90,052
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,772/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,863
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,246
−HK$2,418/mo
Today · 4.125%
HK$93,664
baseline
▲ 0.50% · 4.625%
HK$98,601
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,328/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,699
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,894
−HK$3,246/mo
Today · 4.125%
HK$109,140
baseline
▲ 0.50% · 4.625%
HK$115,781
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,280/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,252
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,109/mo
Today · 4.125%
HK$120,425
baseline
▲ 0.50% · 4.625%
HK$126,773
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,850/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,411 · Scale 2, in force from 26 Feb 2026)