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$58,388
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,204
−HK$1,845/mo
Today · 4.125%
HK$62,049
baseline
▲ 0.50% · 4.625%
HK$65,825
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,098/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,956
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,698
−HK$1,767/mo
Today · 4.125%
HK$68,465
baseline
▲ 0.50% · 4.625%
HK$72,074
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,930/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,065
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,245
−HK$2,214/mo
Today · 4.125%
HK$74,459
baseline
▲ 0.50% · 4.625%
HK$78,989
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,918/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,947
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,037
−HK$2,121/mo
Today · 4.125%
HK$82,158
baseline
▲ 0.50% · 4.625%
HK$86,489
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,316/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,743
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,285
−HK$2,584/mo
Today · 4.125%
HK$86,869
baseline
▲ 0.50% · 4.625%
HK$92,154
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,738/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,938
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,377
−HK$2,474/mo
Today · 4.125%
HK$95,851
baseline
▲ 0.50% · 4.625%
HK$100,903
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,702/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,098
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,367
−HK$3,321/mo
Today · 4.125%
HK$111,688
baseline
▲ 0.50% · 4.625%
HK$118,484
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,376/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,920
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,056
−HK$3,181/mo
Today · 4.125%
HK$123,237
baseline
▲ 0.50% · 4.625%
HK$129,733
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,474/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,243 · Scale 2, in force from 26 Feb 2026)