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$58,392
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,845/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,830
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,961
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,703
−HK$1,768/mo
Today · 4.125%
HK$68,471
baseline
▲ 0.50% · 4.625%
HK$72,080
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,942/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,071
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,251
−HK$2,214/mo
Today · 4.125%
HK$74,465
baseline
▲ 0.50% · 4.625%
HK$78,996
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,930/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,953
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,044
−HK$2,121/mo
Today · 4.125%
HK$82,165
baseline
▲ 0.50% · 4.625%
HK$86,496
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,330/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,749
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,292
−HK$2,584/mo
Today · 4.125%
HK$86,876
baseline
▲ 0.50% · 4.625%
HK$92,162
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,752/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,945
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,385
−HK$2,474/mo
Today · 4.125%
HK$95,859
baseline
▲ 0.50% · 4.625%
HK$100,912
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,718/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,106
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,376
−HK$3,322/mo
Today · 4.125%
HK$111,698
baseline
▲ 0.50% · 4.625%
HK$118,494
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,930
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,066
−HK$3,181/mo
Today · 4.125%
HK$123,247
baseline
▲ 0.50% · 4.625%
HK$129,744
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,494/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,334 · Scale 2, in force from 26 Feb 2026)