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$57,081
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,804/mo
Today · 4.125%
HK$60,660
baseline
▲ 0.50% · 4.625%
HK$64,351
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,320/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,502
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,205
−HK$1,727/mo
Today · 4.125%
HK$66,932
baseline
▲ 0.50% · 4.625%
HK$70,460
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,864/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,497
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,627
−HK$2,165/mo
Today · 4.125%
HK$72,792
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,584/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,202
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,073/mo
Today · 4.125%
HK$80,319
baseline
▲ 0.50% · 4.625%
HK$84,553
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,638/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,913
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,399
−HK$2,525/mo
Today · 4.125%
HK$84,924
baseline
▲ 0.50% · 4.625%
HK$90,092
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,848/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,902
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,287
−HK$2,418/mo
Today · 4.125%
HK$93,705
baseline
▲ 0.50% · 4.625%
HK$98,645
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,410/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,745
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,941
−HK$3,247/mo
Today · 4.125%
HK$109,188
baseline
▲ 0.50% · 4.625%
HK$115,832
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,376/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,303
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,368
−HK$3,110/mo
Today · 4.125%
HK$120,478
baseline
▲ 0.50% · 4.625%
HK$126,829
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,956/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,883 · Scale 2, in force from 26 Feb 2026)