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$56,980
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,752
−HK$1,801/mo
Today · 4.125%
HK$60,553
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,685/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,106/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,390
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,090
−HK$1,724/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,336
+HK$3,522/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,376
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,503
−HK$2,161/mo
Today · 4.125%
HK$72,664
baseline
▲ 0.50% · 4.625%
HK$77,085
+HK$4,421/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$145,328/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,068
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,108
−HK$2,069/mo
Today · 4.125%
HK$80,177
baseline
▲ 0.50% · 4.625%
HK$84,404
+HK$4,227/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$160,354/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,772
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,253
−HK$2,521/mo
Today · 4.125%
HK$84,774
baseline
▲ 0.50% · 4.625%
HK$89,933
+HK$5,159/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,548/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,746
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,126
−HK$2,414/mo
Today · 4.125%
HK$93,540
baseline
▲ 0.50% · 4.625%
HK$98,471
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,080/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,564
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,754
−HK$3,242/mo
Today · 4.125%
HK$108,996
baseline
▲ 0.50% · 4.625%
HK$115,628
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,992/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,101
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,162
−HK$3,104/mo
Today · 4.125%
HK$120,266
baseline
▲ 0.50% · 4.625%
HK$126,605
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,532/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,008 · Scale 2, in force from 26 Feb 2026)