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$57,074
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,849
−HK$1,804/mo
Today · 4.125%
HK$60,653
baseline
▲ 0.50% · 4.625%
HK$64,344
+HK$3,691/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,306/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,494
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,197
−HK$1,728/mo
Today · 4.125%
HK$66,925
baseline
▲ 0.50% · 4.625%
HK$70,452
+HK$3,527/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,850/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,489
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,619
−HK$2,165/mo
Today · 4.125%
HK$72,784
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,568/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,193
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,237
−HK$2,073/mo
Today · 4.125%
HK$80,310
baseline
▲ 0.50% · 4.625%
HK$84,543
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,620/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,904
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,389
−HK$2,525/mo
Today · 4.125%
HK$84,914
baseline
▲ 0.50% · 4.625%
HK$90,081
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,828/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,892
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,276
−HK$2,418/mo
Today · 4.125%
HK$93,694
baseline
▲ 0.50% · 4.625%
HK$98,633
+HK$4,939/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,388/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,733
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,929
−HK$3,246/mo
Today · 4.125%
HK$109,175
baseline
▲ 0.50% · 4.625%
HK$115,819
+HK$6,644/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$218,350/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,290
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,355
−HK$3,109/mo
Today · 4.125%
HK$120,464
baseline
▲ 0.50% · 4.625%
HK$126,814
+HK$6,350/mo
Deposit HK$2.50M · loan HK$22.53M · min. income ≈ HK$240,928/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,760 · Scale 2, in force from 26 Feb 2026)