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$57,080
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,803/mo
Today · 4.125%
HK$60,659
baseline
▲ 0.50% · 4.625%
HK$64,350
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,318/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,501
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,204
−HK$1,728/mo
Today · 4.125%
HK$66,932
baseline
▲ 0.50% · 4.625%
HK$70,460
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,864/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,496
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,627
−HK$2,164/mo
Today · 4.125%
HK$72,791
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,582/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,201
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,245
−HK$2,073/mo
Today · 4.125%
HK$80,318
baseline
▲ 0.50% · 4.625%
HK$84,552
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,636/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,912
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,398
−HK$2,525/mo
Today · 4.125%
HK$84,923
baseline
▲ 0.50% · 4.625%
HK$90,091
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,846/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,901
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,286
−HK$2,418/mo
Today · 4.125%
HK$93,704
baseline
▲ 0.50% · 4.625%
HK$98,644
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,408/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,744
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,940
−HK$3,247/mo
Today · 4.125%
HK$109,187
baseline
▲ 0.50% · 4.625%
HK$115,831
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,374/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,302
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,367
−HK$3,110/mo
Today · 4.125%
HK$120,477
baseline
▲ 0.50% · 4.625%
HK$126,828
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,954/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,872 · Scale 2, in force from 26 Feb 2026)