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$3,579/mo
▼ 0.25% · 3.875%
HK$58,860
−HK$1,804/mo
Today · 4.125%
HK$60,664
baseline
▲ 0.50% · 4.625%
HK$64,356
+HK$3,692/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,328/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,506
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,209
−HK$1,728/mo
Today · 4.125%
HK$66,937
baseline
▲ 0.50% · 4.625%
HK$70,465
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,874/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,632
−HK$2,165/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$77,227
+HK$4,430/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,207
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,251
−HK$2,073/mo
Today · 4.125%
HK$80,324
baseline
▲ 0.50% · 4.625%
HK$84,558
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,648/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,918
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,404
−HK$2,526/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$5,168/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,908
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,293
−HK$2,419/mo
Today · 4.125%
HK$93,712
baseline
▲ 0.50% · 4.625%
HK$98,652
+HK$4,940/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,424/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,752
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,948
−HK$3,248/mo
Today · 4.125%
HK$109,196
baseline
▲ 0.50% · 4.625%
HK$115,840
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,392/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,311
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,377
−HK$3,110/mo
Today · 4.125%
HK$120,487
baseline
▲ 0.50% · 4.625%
HK$126,838
+HK$6,351/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,974/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,958 · Scale 2, in force from 26 Feb 2026)