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$57,055
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,830
−HK$1,803/mo
Today · 4.125%
HK$60,633
baseline
▲ 0.50% · 4.625%
HK$64,322
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,266/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,176
−HK$1,726/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,466
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$2,164/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$77,187
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,168
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,211
−HK$2,072/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$84,515
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,877
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,362
−HK$2,524/mo
Today · 4.125%
HK$84,886
baseline
▲ 0.50% · 4.625%
HK$90,051
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,772/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,863
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,246
−HK$2,417/mo
Today · 4.125%
HK$93,663
baseline
▲ 0.50% · 4.625%
HK$98,601
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,326/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,699
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,894
−HK$3,245/mo
Today · 4.125%
HK$109,139
baseline
▲ 0.50% · 4.625%
HK$115,780
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,278/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,252
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,108/mo
Today · 4.125%
HK$120,424
baseline
▲ 0.50% · 4.625%
HK$126,772
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,848/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,408 · Scale 2, in force from 26 Feb 2026)