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$57,034
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,808
−HK$1,802/mo
Today · 4.125%
HK$60,610
baseline
▲ 0.50% · 4.625%
HK$64,298
+HK$3,688/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,220/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,449
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,151
−HK$1,726/mo
Today · 4.125%
HK$66,877
baseline
▲ 0.50% · 4.625%
HK$70,402
+HK$3,525/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,754/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,440
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,569
−HK$2,163/mo
Today · 4.125%
HK$72,732
baseline
▲ 0.50% · 4.625%
HK$77,158
+HK$4,426/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,464/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,139
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,181
−HK$2,072/mo
Today · 4.125%
HK$80,253
baseline
▲ 0.50% · 4.625%
HK$84,483
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,506/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,847
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,331
−HK$2,523/mo
Today · 4.125%
HK$84,854
baseline
▲ 0.50% · 4.625%
HK$90,017
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,708/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,829
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,211
−HK$2,417/mo
Today · 4.125%
HK$93,628
baseline
▲ 0.50% · 4.625%
HK$98,563
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,256/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,660
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,854
−HK$3,244/mo
Today · 4.125%
HK$109,098
baseline
▲ 0.50% · 4.625%
HK$115,736
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,196/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,209
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,272
−HK$3,107/mo
Today · 4.125%
HK$120,379
baseline
▲ 0.50% · 4.625%
HK$126,724
+HK$6,345/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,758/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,063,006 · Scale 2, in force from 26 Feb 2026)