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$57,058
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,833
−HK$1,803/mo
Today · 4.125%
HK$60,636
baseline
▲ 0.50% · 4.625%
HK$64,326
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,272/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,477
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,727/mo
Today · 4.125%
HK$66,906
baseline
▲ 0.50% · 4.625%
HK$70,433
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,812/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,470
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$2,164/mo
Today · 4.125%
HK$72,764
baseline
▲ 0.50% · 4.625%
HK$77,191
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,528/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,072/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$84,519
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,882
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,366
−HK$2,525/mo
Today · 4.125%
HK$84,891
baseline
▲ 0.50% · 4.625%
HK$90,056
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,782/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,867
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,251
−HK$2,418/mo
Today · 4.125%
HK$93,669
baseline
▲ 0.50% · 4.625%
HK$98,606
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,338/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,705
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,899
−HK$3,246/mo
Today · 4.125%
HK$109,145
baseline
▲ 0.50% · 4.625%
HK$115,787
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,258
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,322
−HK$3,109/mo
Today · 4.125%
HK$120,431
baseline
▲ 0.50% · 4.625%
HK$126,779
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,862/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,466 · Scale 2, in force from 26 Feb 2026)