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$57,041
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,803/mo
Today · 4.125%
HK$60,618
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,236/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,458
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,160
−HK$1,726/mo
Today · 4.125%
HK$66,886
baseline
▲ 0.50% · 4.625%
HK$70,412
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,772/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,449
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,579
−HK$2,163/mo
Today · 4.125%
HK$72,742
baseline
▲ 0.50% · 4.625%
HK$77,168
+HK$4,426/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,484/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,149
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,192
−HK$2,071/mo
Today · 4.125%
HK$80,263
baseline
▲ 0.50% · 4.625%
HK$84,494
+HK$4,231/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,526/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,858
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,342
−HK$2,523/mo
Today · 4.125%
HK$84,865
baseline
▲ 0.50% · 4.625%
HK$90,029
+HK$5,164/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,730/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,841
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,223
−HK$2,418/mo
Today · 4.125%
HK$93,641
baseline
▲ 0.50% · 4.625%
HK$98,577
+HK$4,936/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,282/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,674
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,868
−HK$3,245/mo
Today · 4.125%
HK$109,113
baseline
▲ 0.50% · 4.625%
HK$115,752
+HK$6,639/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,226/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,224
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,287
−HK$3,108/mo
Today · 4.125%
HK$120,395
baseline
▲ 0.50% · 4.625%
HK$126,741
+HK$6,346/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,790/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,148 · Scale 2, in force from 26 Feb 2026)