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$57,074
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,849
−HK$1,804/mo
Today · 4.125%
HK$60,653
baseline
▲ 0.50% · 4.625%
HK$64,343
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,306/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,494
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,197
−HK$1,727/mo
Today · 4.125%
HK$66,924
baseline
▲ 0.50% · 4.625%
HK$70,452
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,848/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,489
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,619
−HK$2,164/mo
Today · 4.125%
HK$72,783
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,566/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,193
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,236
−HK$2,073/mo
Today · 4.125%
HK$80,309
baseline
▲ 0.50% · 4.625%
HK$84,543
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,618/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,903
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,389
−HK$2,525/mo
Today · 4.125%
HK$84,914
baseline
▲ 0.50% · 4.625%
HK$90,081
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,828/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,892
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,276
−HK$2,418/mo
Today · 4.125%
HK$93,694
baseline
▲ 0.50% · 4.625%
HK$98,633
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,388/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,733
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,929
−HK$3,246/mo
Today · 4.125%
HK$109,175
baseline
▲ 0.50% · 4.625%
HK$115,818
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,350/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,289
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,355
−HK$3,109/mo
Today · 4.125%
HK$120,464
baseline
▲ 0.50% · 4.625%
HK$126,814
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,928/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,758 · Scale 2, in force from 26 Feb 2026)