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$57,036
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,810
−HK$1,803/mo
Today · 4.125%
HK$60,613
baseline
▲ 0.50% · 4.625%
HK$64,301
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,226/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,452
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,154
−HK$1,726/mo
Today · 4.125%
HK$66,880
baseline
▲ 0.50% · 4.625%
HK$70,406
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,760/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$2,163/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$4,425/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,143
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,185
−HK$2,072/mo
Today · 4.125%
HK$80,257
baseline
▲ 0.50% · 4.625%
HK$84,487
+HK$4,230/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,514/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,851
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,335
−HK$2,523/mo
Today · 4.125%
HK$84,858
baseline
▲ 0.50% · 4.625%
HK$90,022
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,716/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,833
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,216
−HK$2,417/mo
Today · 4.125%
HK$93,633
baseline
▲ 0.50% · 4.625%
HK$98,568
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,266/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,665
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,859
−HK$3,244/mo
Today · 4.125%
HK$109,103
baseline
▲ 0.50% · 4.625%
HK$115,742
+HK$6,639/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,206/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,214
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,277
−HK$3,108/mo
Today · 4.125%
HK$120,385
baseline
▲ 0.50% · 4.625%
HK$126,731
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,770/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,058 · Scale 2, in force from 26 Feb 2026)