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$57,042
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,816
−HK$1,803/mo
Today · 4.125%
HK$60,619
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,238/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,458
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,160
−HK$1,727/mo
Today · 4.125%
HK$66,887
baseline
▲ 0.50% · 4.625%
HK$70,412
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,774/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,450
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,579
−HK$2,163/mo
Today · 4.125%
HK$72,742
baseline
▲ 0.50% · 4.625%
HK$77,169
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,484/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,150
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,192
−HK$2,072/mo
Today · 4.125%
HK$80,264
baseline
▲ 0.50% · 4.625%
HK$84,495
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,528/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,858
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,342
−HK$2,524/mo
Today · 4.125%
HK$84,866
baseline
▲ 0.50% · 4.625%
HK$90,030
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,732/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,841
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,224
−HK$2,417/mo
Today · 4.125%
HK$93,641
baseline
▲ 0.50% · 4.625%
HK$98,577
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,282/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,675
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,869
−HK$3,244/mo
Today · 4.125%
HK$109,113
baseline
▲ 0.50% · 4.625%
HK$115,753
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,226/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,225
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,288
−HK$3,108/mo
Today · 4.125%
HK$120,396
baseline
▲ 0.50% · 4.625%
HK$126,742
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,792/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,156 · Scale 2, in force from 26 Feb 2026)