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$57,082
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,858
−HK$1,804/mo
Today · 4.125%
HK$60,662
baseline
▲ 0.50% · 4.625%
HK$64,353
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,324/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,503
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,206
−HK$1,728/mo
Today · 4.125%
HK$66,934
baseline
▲ 0.50% · 4.625%
HK$70,462
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,868/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,499
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,629
−HK$2,165/mo
Today · 4.125%
HK$72,794
baseline
▲ 0.50% · 4.625%
HK$77,223
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,588/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,204
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,073/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$84,555
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,915
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,401
−HK$2,525/mo
Today · 4.125%
HK$84,926
baseline
▲ 0.50% · 4.625%
HK$90,094
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,852/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,905
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,289
−HK$2,419/mo
Today · 4.125%
HK$93,708
baseline
▲ 0.50% · 4.625%
HK$98,647
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,416/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,748
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,944
−HK$3,247/mo
Today · 4.125%
HK$109,191
baseline
▲ 0.50% · 4.625%
HK$115,835
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,382/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,306
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,372
−HK$3,110/mo
Today · 4.125%
HK$120,482
baseline
▲ 0.50% · 4.625%
HK$126,832
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,964/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,912 · Scale 2, in force from 26 Feb 2026)