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$57,039
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,803/mo
Today · 4.125%
HK$60,616
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,232/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,157
−HK$1,726/mo
Today · 4.125%
HK$66,883
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,766/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,447
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,576
−HK$2,163/mo
Today · 4.125%
HK$72,739
baseline
▲ 0.50% · 4.625%
HK$77,165
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,478/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,146
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,188
−HK$2,072/mo
Today · 4.125%
HK$80,260
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,854
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,338
−HK$2,524/mo
Today · 4.125%
HK$84,862
baseline
▲ 0.50% · 4.625%
HK$90,026
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,724/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,837
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,220
−HK$2,417/mo
Today · 4.125%
HK$93,637
baseline
▲ 0.50% · 4.625%
HK$98,573
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,274/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,864
−HK$3,244/mo
Today · 4.125%
HK$109,108
baseline
▲ 0.50% · 4.625%
HK$115,747
+HK$6,639/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,216/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,219
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,283
−HK$3,107/mo
Today · 4.125%
HK$120,390
baseline
▲ 0.50% · 4.625%
HK$126,736
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,780/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,106 · Scale 2, in force from 26 Feb 2026)