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$56,975
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,747
−HK$1,800/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,685/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,724/mo
Today · 4.125%
HK$66,808
baseline
▲ 0.50% · 4.625%
HK$70,330
+HK$3,522/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,616/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,370
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,496
−HK$2,161/mo
Today · 4.125%
HK$72,657
baseline
▲ 0.50% · 4.625%
HK$77,078
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,314/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,100
−HK$2,070/mo
Today · 4.125%
HK$80,170
baseline
▲ 0.50% · 4.625%
HK$84,396
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,340/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,765
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,246
−HK$2,520/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,924
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,737
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,117
−HK$2,414/mo
Today · 4.125%
HK$93,531
baseline
▲ 0.50% · 4.625%
HK$98,462
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,062/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,554
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,744
−HK$3,241/mo
Today · 4.125%
HK$108,985
baseline
▲ 0.50% · 4.625%
HK$115,617
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,970/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,091
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,151
−HK$3,104/mo
Today · 4.125%
HK$120,255
baseline
▲ 0.50% · 4.625%
HK$126,594
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,510/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,909 · Scale 2, in force from 26 Feb 2026)