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$58,364
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,179
−HK$1,845/mo
Today · 4.125%
HK$62,024
baseline
▲ 0.50% · 4.625%
HK$65,798
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,048/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,929
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,670
−HK$1,767/mo
Today · 4.125%
HK$68,437
baseline
▲ 0.50% · 4.625%
HK$72,044
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,874/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,036
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,215
−HK$2,213/mo
Today · 4.125%
HK$74,428
baseline
▲ 0.50% · 4.625%
HK$78,957
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,856/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,915
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,004
−HK$2,120/mo
Today · 4.125%
HK$82,124
baseline
▲ 0.50% · 4.625%
HK$86,453
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,248/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,709
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,251
−HK$2,582/mo
Today · 4.125%
HK$86,833
baseline
▲ 0.50% · 4.625%
HK$92,117
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,666/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,901
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,339
−HK$2,473/mo
Today · 4.125%
HK$95,812
baseline
▲ 0.50% · 4.625%
HK$100,862
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,624/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,055
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,322
−HK$3,321/mo
Today · 4.125%
HK$111,643
baseline
▲ 0.50% · 4.625%
HK$118,436
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,286/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,872
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,007
−HK$3,180/mo
Today · 4.125%
HK$123,187
baseline
▲ 0.50% · 4.625%
HK$129,680
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,374/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,798 · Scale 2, in force from 26 Feb 2026)