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$56,973
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,745
−HK$1,800/mo
Today · 4.125%
HK$60,545
baseline
▲ 0.50% · 4.625%
HK$64,229
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,090/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,382
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,081
−HK$1,725/mo
Today · 4.125%
HK$66,806
baseline
▲ 0.50% · 4.625%
HK$70,327
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,612/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,494
−HK$2,160/mo
Today · 4.125%
HK$72,654
baseline
▲ 0.50% · 4.625%
HK$77,075
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,308/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,058
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,098
−HK$2,069/mo
Today · 4.125%
HK$80,167
baseline
▲ 0.50% · 4.625%
HK$84,393
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,334/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,762
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,243
−HK$2,521/mo
Today · 4.125%
HK$84,764
baseline
▲ 0.50% · 4.625%
HK$89,921
+HK$5,157/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,528/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,734
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,114
−HK$2,414/mo
Today · 4.125%
HK$93,528
baseline
▲ 0.50% · 4.625%
HK$98,458
+HK$4,930/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,056/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,551
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,741
−HK$3,241/mo
Today · 4.125%
HK$108,982
baseline
▲ 0.50% · 4.625%
HK$115,613
+HK$6,631/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,964/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,087
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,146
−HK$3,104/mo
Today · 4.125%
HK$120,250
baseline
▲ 0.50% · 4.625%
HK$126,589
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,500/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,872 · Scale 2, in force from 26 Feb 2026)