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$57,078
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,804/mo
Today · 4.125%
HK$60,658
baseline
▲ 0.50% · 4.625%
HK$64,349
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,316/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,499
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,202
−HK$1,728/mo
Today · 4.125%
HK$66,930
baseline
▲ 0.50% · 4.625%
HK$70,458
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,860/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,494
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,625
−HK$2,164/mo
Today · 4.125%
HK$72,789
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,578/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,199
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,243
−HK$2,073/mo
Today · 4.125%
HK$80,316
baseline
▲ 0.50% · 4.625%
HK$84,549
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,632/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,910
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,526/mo
Today · 4.125%
HK$84,921
baseline
▲ 0.50% · 4.625%
HK$90,088
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,842/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,899
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,283
−HK$2,419/mo
Today · 4.125%
HK$93,702
baseline
▲ 0.50% · 4.625%
HK$98,641
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,404/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,741
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,937
−HK$3,247/mo
Today · 4.125%
HK$109,184
baseline
▲ 0.50% · 4.625%
HK$115,827
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,368/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,298
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,364
−HK$3,110/mo
Today · 4.125%
HK$120,474
baseline
▲ 0.50% · 4.625%
HK$126,824
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,948/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,842 · Scale 2, in force from 26 Feb 2026)