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$58,363
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,179
−HK$1,844/mo
Today · 4.125%
HK$62,023
baseline
▲ 0.50% · 4.625%
HK$65,797
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,046/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,792 · 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$1,087,792 · 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$1,087,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,914
−HK$4,210/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$1,087,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,709
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,250
−HK$2,583/mo
Today · 4.125%
HK$86,833
baseline
▲ 0.50% · 4.625%
HK$92,116
+HK$5,283/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$1,087,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,900
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,338
−HK$2,473/mo
Today · 4.125%
HK$95,811
baseline
▲ 0.50% · 4.625%
HK$100,862
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,622/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,054
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,322
−HK$3,320/mo
Today · 4.125%
HK$111,642
baseline
▲ 0.50% · 4.625%
HK$118,435
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,284/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,872
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,006
−HK$3,180/mo
Today · 4.125%
HK$123,186
baseline
▲ 0.50% · 4.625%
HK$129,679
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,792 · Scale 2, in force from 26 Feb 2026)