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$58,376
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,191
−HK$1,845/mo
Today · 4.125%
HK$62,036
baseline
▲ 0.50% · 4.625%
HK$65,811
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,072/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,942
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,684
−HK$1,767/mo
Today · 4.125%
HK$68,451
baseline
▲ 0.50% · 4.625%
HK$72,059
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,902/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,051
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$2,214/mo
Today · 4.125%
HK$74,444
baseline
▲ 0.50% · 4.625%
HK$78,973
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,888/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,931
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,120/mo
Today · 4.125%
HK$82,141
baseline
▲ 0.50% · 4.625%
HK$86,471
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,282/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,268
−HK$2,583/mo
Today · 4.125%
HK$86,851
baseline
▲ 0.50% · 4.625%
HK$92,135
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,702/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,919
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,358
−HK$2,473/mo
Today · 4.125%
HK$95,831
baseline
▲ 0.50% · 4.625%
HK$100,883
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,662/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,076
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,345
−HK$3,320/mo
Today · 4.125%
HK$111,665
baseline
▲ 0.50% · 4.625%
HK$118,460
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,330/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,896
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,031
−HK$3,181/mo
Today · 4.125%
HK$123,212
baseline
▲ 0.50% · 4.625%
HK$129,706
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,424/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,020 · Scale 2, in force from 26 Feb 2026)