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$57,046
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,802/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,165
−HK$1,727/mo
Today · 4.125%
HK$66,892
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,784/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,455
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,585
−HK$2,163/mo
Today · 4.125%
HK$72,748
baseline
▲ 0.50% · 4.625%
HK$77,175
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,496/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,156
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,198
−HK$2,072/mo
Today · 4.125%
HK$80,270
baseline
▲ 0.50% · 4.625%
HK$84,502
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,540/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,865
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,349
−HK$2,524/mo
Today · 4.125%
HK$84,873
baseline
▲ 0.50% · 4.625%
HK$90,037
+HK$5,164/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,746/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,849
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,231
−HK$2,418/mo
Today · 4.125%
HK$93,649
baseline
▲ 0.50% · 4.625%
HK$98,585
+HK$4,936/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,298/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,683
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,877
−HK$3,245/mo
Today · 4.125%
HK$109,122
baseline
▲ 0.50% · 4.625%
HK$115,762
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,244/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,234
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,298
−HK$3,108/mo
Today · 4.125%
HK$120,406
baseline
▲ 0.50% · 4.625%
HK$126,752
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,812/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,241 · Scale 2, in force from 26 Feb 2026)