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$57,053
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,828
−HK$1,803/mo
Today · 4.125%
HK$60,631
baseline
▲ 0.50% · 4.625%
HK$64,320
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,262/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,471
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,173
−HK$1,727/mo
Today · 4.125%
HK$66,900
baseline
▲ 0.50% · 4.625%
HK$70,427
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,800/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,464
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$2,164/mo
Today · 4.125%
HK$72,757
baseline
▲ 0.50% · 4.625%
HK$77,184
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,514/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,165
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,208
−HK$2,072/mo
Today · 4.125%
HK$80,280
baseline
▲ 0.50% · 4.625%
HK$84,512
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,560/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,875
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,359
−HK$2,524/mo
Today · 4.125%
HK$84,883
baseline
▲ 0.50% · 4.625%
HK$90,048
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,766/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,860
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,243
−HK$2,417/mo
Today · 4.125%
HK$93,660
baseline
▲ 0.50% · 4.625%
HK$98,597
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,320/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,696
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,890
−HK$3,246/mo
Today · 4.125%
HK$109,136
baseline
▲ 0.50% · 4.625%
HK$115,776
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,248
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,312
−HK$3,109/mo
Today · 4.125%
HK$120,421
baseline
▲ 0.50% · 4.625%
HK$126,768
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,842/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,373 · Scale 2, in force from 26 Feb 2026)