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$58,368
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,183
−HK$1,845/mo
Today · 4.125%
HK$62,028
baseline
▲ 0.50% · 4.625%
HK$65,802
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,056/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,934
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,675
−HK$1,767/mo
Today · 4.125%
HK$68,442
baseline
▲ 0.50% · 4.625%
HK$72,050
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,884/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,220
−HK$2,214/mo
Today · 4.125%
HK$74,434
baseline
▲ 0.50% · 4.625%
HK$78,963
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,868/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,920
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,010
−HK$2,120/mo
Today · 4.125%
HK$82,130
baseline
▲ 0.50% · 4.625%
HK$86,459
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,260/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,715
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,257
−HK$2,582/mo
Today · 4.125%
HK$86,839
baseline
▲ 0.50% · 4.625%
HK$92,123
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,678/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,907
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,345
−HK$2,474/mo
Today · 4.125%
HK$95,819
baseline
▲ 0.50% · 4.625%
HK$100,869
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,638/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,062
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,330
−HK$3,321/mo
Today · 4.125%
HK$111,651
baseline
▲ 0.50% · 4.625%
HK$118,444
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,302/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,881
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,015
−HK$3,180/mo
Today · 4.125%
HK$123,195
baseline
▲ 0.50% · 4.625%
HK$129,689
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,390/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,877 · Scale 2, in force from 26 Feb 2026)