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$58,381
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,197
−HK$1,845/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,690
−HK$1,767/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,066
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,236
−HK$2,214/mo
Today · 4.125%
HK$74,450
baseline
▲ 0.50% · 4.625%
HK$78,980
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,900/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,938
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,028
−HK$2,121/mo
Today · 4.125%
HK$82,149
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,330/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,298/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,733
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,276
−HK$2,583/mo
Today · 4.125%
HK$86,859
baseline
▲ 0.50% · 4.625%
HK$92,144
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,718/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,927
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,366
−HK$2,474/mo
Today · 4.125%
HK$95,840
baseline
▲ 0.50% · 4.625%
HK$100,892
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,680/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,086
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,354
−HK$3,321/mo
Today · 4.125%
HK$111,675
baseline
▲ 0.50% · 4.625%
HK$118,471
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,350/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,907
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,042
−HK$3,181/mo
Today · 4.125%
HK$123,223
baseline
▲ 0.50% · 4.625%
HK$129,718
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,446/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,118 · Scale 2, in force from 26 Feb 2026)