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$57,064
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,839
−HK$1,804/mo
Today · 4.125%
HK$60,643
baseline
▲ 0.50% · 4.625%
HK$64,333
+HK$3,690/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,286/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,484
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,186
−HK$1,727/mo
Today · 4.125%
HK$66,913
baseline
▲ 0.50% · 4.625%
HK$70,441
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,826/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,477
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,607
−HK$2,164/mo
Today · 4.125%
HK$72,771
baseline
▲ 0.50% · 4.625%
HK$77,199
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,542/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,180
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,223
−HK$2,073/mo
Today · 4.125%
HK$80,296
baseline
▲ 0.50% · 4.625%
HK$84,529
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,592/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,890
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,375
−HK$2,525/mo
Today · 4.125%
HK$84,900
baseline
▲ 0.50% · 4.625%
HK$90,066
+HK$5,166/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,800/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,877
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,261
−HK$2,418/mo
Today · 4.125%
HK$93,679
baseline
▲ 0.50% · 4.625%
HK$98,617
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,358/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,716
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,911
−HK$3,246/mo
Today · 4.125%
HK$109,157
baseline
▲ 0.50% · 4.625%
HK$115,799
+HK$6,642/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,314/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,271
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,335
−HK$3,109/mo
Today · 4.125%
HK$120,444
baseline
▲ 0.50% · 4.625%
HK$126,793
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,888/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,583 · Scale 2, in force from 26 Feb 2026)