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$57,055
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,829
−HK$1,803/mo
Today · 4.125%
HK$60,632
baseline
▲ 0.50% · 4.625%
HK$64,322
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,264/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,175
−HK$1,727/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,428
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,465
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,595
−HK$2,164/mo
Today · 4.125%
HK$72,759
baseline
▲ 0.50% · 4.625%
HK$77,186
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,518/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,167
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,210
−HK$2,072/mo
Today · 4.125%
HK$80,282
baseline
▲ 0.50% · 4.625%
HK$84,514
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,564/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,876
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,361
−HK$2,524/mo
Today · 4.125%
HK$84,885
baseline
▲ 0.50% · 4.625%
HK$90,050
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,770/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,862
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,245
−HK$2,418/mo
Today · 4.125%
HK$93,663
baseline
▲ 0.50% · 4.625%
HK$98,600
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,326/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,698
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,893
−HK$3,245/mo
Today · 4.125%
HK$109,138
baseline
▲ 0.50% · 4.625%
HK$115,779
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,276/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,251
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,315
−HK$3,108/mo
Today · 4.125%
HK$120,423
baseline
▲ 0.50% · 4.625%
HK$126,771
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,846/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,397 · Scale 2, in force from 26 Feb 2026)