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$58,392
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,846/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,830
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,961
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,703
−HK$1,767/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,079
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,070
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,250
−HK$2,214/mo
Today · 4.125%
HK$74,464
baseline
▲ 0.50% · 4.625%
HK$78,995
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,928/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,953
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,043
−HK$2,121/mo
Today · 4.125%
HK$82,164
baseline
▲ 0.50% · 4.625%
HK$86,495
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,328/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,749
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,292
−HK$2,583/mo
Today · 4.125%
HK$86,875
baseline
▲ 0.50% · 4.625%
HK$92,161
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,750/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,945
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,384
−HK$2,474/mo
Today · 4.125%
HK$95,858
baseline
▲ 0.50% · 4.625%
HK$100,911
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,716/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,106
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,375
−HK$3,322/mo
Today · 4.125%
HK$111,697
baseline
▲ 0.50% · 4.625%
HK$118,493
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,394/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,929
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,065
−HK$3,181/mo
Today · 4.125%
HK$123,246
baseline
▲ 0.50% · 4.625%
HK$129,743
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,492/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,325 · Scale 2, in force from 26 Feb 2026)