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$57,061
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,836
−HK$1,803/mo
Today · 4.125%
HK$60,639
baseline
▲ 0.50% · 4.625%
HK$64,329
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,278/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,479
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,182
−HK$1,727/mo
Today · 4.125%
HK$66,909
baseline
▲ 0.50% · 4.625%
HK$70,436
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,818/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,473
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,603
−HK$2,164/mo
Today · 4.125%
HK$72,767
baseline
▲ 0.50% · 4.625%
HK$77,194
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,534/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,175
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,218
−HK$2,073/mo
Today · 4.125%
HK$80,291
baseline
▲ 0.50% · 4.625%
HK$84,523
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,582/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,885
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,370
−HK$2,524/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$90,060
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,871
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,255
−HK$2,418/mo
Today · 4.125%
HK$93,673
baseline
▲ 0.50% · 4.625%
HK$98,610
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,346/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,709
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,904
−HK$3,246/mo
Today · 4.125%
HK$109,150
baseline
▲ 0.50% · 4.625%
HK$115,791
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,263
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,327
−HK$3,109/mo
Today · 4.125%
HK$120,436
baseline
▲ 0.50% · 4.625%
HK$126,785
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,872/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,511 · Scale 2, in force from 26 Feb 2026)