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$57,069
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,803/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$64,338
+HK$3,691/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,488
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,191
−HK$1,727/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,446
+HK$3,528/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$2,165/mo
Today · 4.125%
HK$72,777
baseline
▲ 0.50% · 4.625%
HK$77,205
+HK$4,428/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$145,554/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,186
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,229
−HK$2,073/mo
Today · 4.125%
HK$80,302
baseline
▲ 0.50% · 4.625%
HK$84,535
+HK$4,233/mo
Deposit HK$10.01M · loan HK$15.02M · min. income ≈ HK$160,604/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,896
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,381
−HK$2,525/mo
Today · 4.125%
HK$84,906
baseline
▲ 0.50% · 4.625%
HK$90,073
+HK$5,167/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,812/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,883
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,267
−HK$2,419/mo
Today · 4.125%
HK$93,686
baseline
▲ 0.50% · 4.625%
HK$98,624
+HK$4,938/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,372/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,723
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,919
−HK$3,246/mo
Today · 4.125%
HK$109,165
baseline
▲ 0.50% · 4.625%
HK$115,808
+HK$6,643/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,330/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,279
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,344
−HK$3,109/mo
Today · 4.125%
HK$120,453
baseline
▲ 0.50% · 4.625%
HK$126,802
+HK$6,349/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,906/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,659 · Scale 2, in force from 26 Feb 2026)