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$57,029
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,803
−HK$1,803/mo
Today · 4.125%
HK$60,606
baseline
▲ 0.50% · 4.625%
HK$64,293
+HK$3,687/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,212/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,445
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,146
−HK$1,726/mo
Today · 4.125%
HK$66,872
baseline
▲ 0.50% · 4.625%
HK$70,397
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,744/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,435
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,564
−HK$2,163/mo
Today · 4.125%
HK$72,727
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,454/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,134
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,072/mo
Today · 4.125%
HK$80,247
baseline
▲ 0.50% · 4.625%
HK$84,477
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,494/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,841
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,325
−HK$2,523/mo
Today · 4.125%
HK$84,848
baseline
▲ 0.50% · 4.625%
HK$90,011
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,696/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,822
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,205
−HK$2,416/mo
Today · 4.125%
HK$93,621
baseline
▲ 0.50% · 4.625%
HK$98,556
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,242/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,653
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,846
−HK$3,244/mo
Today · 4.125%
HK$109,090
baseline
▲ 0.50% · 4.625%
HK$115,728
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,180/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,200
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,263
−HK$3,107/mo
Today · 4.125%
HK$120,370
baseline
▲ 0.50% · 4.625%
HK$126,715
+HK$6,345/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,740/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,928 · Scale 2, in force from 26 Feb 2026)