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$56,982
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,755
−HK$1,800/mo
Today · 4.125%
HK$60,555
baseline
▲ 0.50% · 4.625%
HK$64,240
+HK$3,685/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,110/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,392
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,725/mo
Today · 4.125%
HK$66,817
baseline
▲ 0.50% · 4.625%
HK$70,339
+HK$3,522/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,634/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,379
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,506
−HK$2,161/mo
Today · 4.125%
HK$72,667
baseline
▲ 0.50% · 4.625%
HK$77,088
+HK$4,421/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$145,334/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,071
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,111
−HK$2,069/mo
Today · 4.125%
HK$80,180
baseline
▲ 0.50% · 4.625%
HK$84,407
+HK$4,227/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$160,360/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,775
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,257
−HK$2,521/mo
Today · 4.125%
HK$84,778
baseline
▲ 0.50% · 4.625%
HK$89,936
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,556/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,749
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,129
−HK$2,415/mo
Today · 4.125%
HK$93,544
baseline
▲ 0.50% · 4.625%
HK$98,475
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,088/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,568
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,758
−HK$3,242/mo
Today · 4.125%
HK$109,000
baseline
▲ 0.50% · 4.625%
HK$115,632
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$218,000/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,106
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,166
−HK$3,105/mo
Today · 4.125%
HK$120,271
baseline
▲ 0.50% · 4.625%
HK$126,610
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,542/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,049 · Scale 2, in force from 26 Feb 2026)