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$57,050
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,824
−HK$1,803/mo
Today · 4.125%
HK$60,627
baseline
▲ 0.50% · 4.625%
HK$64,316
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,254/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,467
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,169
−HK$1,727/mo
Today · 4.125%
HK$66,896
baseline
▲ 0.50% · 4.625%
HK$70,422
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,792/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,460
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,589
−HK$2,164/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$77,179
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,161
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,203
−HK$2,072/mo
Today · 4.125%
HK$80,275
baseline
▲ 0.50% · 4.625%
HK$84,507
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,550/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,870
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,354
−HK$2,524/mo
Today · 4.125%
HK$84,878
baseline
▲ 0.50% · 4.625%
HK$90,043
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$169,756/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,854
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,237
−HK$2,418/mo
Today · 4.125%
HK$93,655
baseline
▲ 0.50% · 4.625%
HK$98,591
+HK$4,936/mo
Deposit HK$7.51M · loan HK$17.51M · min. income ≈ HK$187,310/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,689
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$3,245/mo
Today · 4.125%
HK$109,129
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$6,640/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,258/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,241
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,305
−HK$3,108/mo
Today · 4.125%
HK$120,413
baseline
▲ 0.50% · 4.625%
HK$126,760
+HK$6,347/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,826/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,307 · Scale 2, in force from 26 Feb 2026)