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$57,085
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,861
−HK$1,804/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$64,356
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,210
−HK$1,728/mo
Today · 4.125%
HK$66,938
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,876/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,633
−HK$2,165/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,208
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,074/mo
Today · 4.125%
HK$80,326
baseline
▲ 0.50% · 4.625%
HK$84,560
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,652/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,920
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,405
−HK$2,526/mo
Today · 4.125%
HK$84,931
baseline
▲ 0.50% · 4.625%
HK$90,099
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,862/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,910
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,294
−HK$2,419/mo
Today · 4.125%
HK$93,713
baseline
▲ 0.50% · 4.625%
HK$98,653
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,426/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,754
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,950
−HK$3,247/mo
Today · 4.125%
HK$109,197
baseline
▲ 0.50% · 4.625%
HK$115,842
+HK$6,645/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,394/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,312
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,378
−HK$3,110/mo
Today · 4.125%
HK$120,488
baseline
▲ 0.50% · 4.625%
HK$126,840
+HK$6,352/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,976/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,972 · Scale 2, in force from 26 Feb 2026)