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$57,078
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,853
−HK$1,804/mo
Today · 4.125%
HK$60,657
baseline
▲ 0.50% · 4.625%
HK$64,348
+HK$3,691/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$121,314/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,499
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,202
−HK$1,727/mo
Today · 4.125%
HK$66,929
baseline
▲ 0.50% · 4.625%
HK$70,457
+HK$3,528/mo
Deposit HK$12.52M · loan HK$12.52M · min. income ≈ HK$133,858/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,493
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,624
−HK$2,165/mo
Today · 4.125%
HK$72,789
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$4,429/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,578/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,198
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,242
−HK$2,073/mo
Today · 4.125%
HK$80,315
baseline
▲ 0.50% · 4.625%
HK$84,549
+HK$4,234/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,630/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,909
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,525/mo
Today · 4.125%
HK$84,920
baseline
▲ 0.50% · 4.625%
HK$90,087
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,840/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,898
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,282
−HK$2,419/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$98,640
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,740
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,936
−HK$3,247/mo
Today · 4.125%
HK$109,183
baseline
▲ 0.50% · 4.625%
HK$115,826
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,366/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,297
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,363
−HK$3,110/mo
Today · 4.125%
HK$120,473
baseline
▲ 0.50% · 4.625%
HK$126,823
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,946/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,832 · Scale 2, in force from 26 Feb 2026)