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$58,374
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,844/mo
Today · 4.125%
HK$62,034
baseline
▲ 0.50% · 4.625%
HK$65,809
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,068/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,682
−HK$1,767/mo
Today · 4.125%
HK$68,449
baseline
▲ 0.50% · 4.625%
HK$72,057
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,898/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,049
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,228
−HK$2,213/mo
Today · 4.125%
HK$74,441
baseline
▲ 0.50% · 4.625%
HK$78,971
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,882/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,928
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,018
−HK$2,121/mo
Today · 4.125%
HK$82,139
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,278/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,583/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$92,133
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,355
−HK$2,473/mo
Today · 4.125%
HK$95,828
baseline
▲ 0.50% · 4.625%
HK$100,880
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,656/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,073
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,341
−HK$3,321/mo
Today · 4.125%
HK$111,662
baseline
▲ 0.50% · 4.625%
HK$118,456
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,324/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,893
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,028
−HK$3,180/mo
Today · 4.125%
HK$123,208
baseline
▲ 0.50% · 4.625%
HK$129,702
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,987 · Scale 2, in force from 26 Feb 2026)