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$57,030
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,804
−HK$1,803/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$64,294
+HK$3,687/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,446
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,147
−HK$1,727/mo
Today · 4.125%
HK$66,874
baseline
▲ 0.50% · 4.625%
HK$70,399
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,748/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,436
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,565
−HK$2,163/mo
Today · 4.125%
HK$72,728
baseline
▲ 0.50% · 4.625%
HK$77,153
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,456/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,135
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,177
−HK$2,071/mo
Today · 4.125%
HK$80,248
baseline
▲ 0.50% · 4.625%
HK$84,478
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,496/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,843
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,326
−HK$2,523/mo
Today · 4.125%
HK$84,849
baseline
▲ 0.50% · 4.625%
HK$90,012
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,698/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,824
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,206
−HK$2,417/mo
Today · 4.125%
HK$93,623
baseline
▲ 0.50% · 4.625%
HK$98,558
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,246/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,655
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,848
−HK$3,244/mo
Today · 4.125%
HK$109,092
baseline
▲ 0.50% · 4.625%
HK$115,730
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,184/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,202
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,265
−HK$3,107/mo
Today · 4.125%
HK$120,372
baseline
▲ 0.50% · 4.625%
HK$126,717
+HK$6,345/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,744/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,947 · Scale 2, in force from 26 Feb 2026)