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$58,387
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,203
−HK$1,845/mo
Today · 4.125%
HK$62,048
baseline
▲ 0.50% · 4.625%
HK$65,824
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,096/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,955
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,697
−HK$1,767/mo
Today · 4.125%
HK$68,464
baseline
▲ 0.50% · 4.625%
HK$72,073
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,928/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,064
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,244
−HK$2,214/mo
Today · 4.125%
HK$74,458
baseline
▲ 0.50% · 4.625%
HK$78,988
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,916/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,946
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,036
−HK$2,121/mo
Today · 4.125%
HK$82,157
baseline
▲ 0.50% · 4.625%
HK$86,488
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,314/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,742
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,284
−HK$2,583/mo
Today · 4.125%
HK$86,867
baseline
▲ 0.50% · 4.625%
HK$92,153
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,734/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,937
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,376
−HK$2,474/mo
Today · 4.125%
HK$95,850
baseline
▲ 0.50% · 4.625%
HK$100,902
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,700/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,096
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,365
−HK$3,322/mo
Today · 4.125%
HK$111,687
baseline
▲ 0.50% · 4.625%
HK$118,483
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,374/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,919
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,054
−HK$3,181/mo
Today · 4.125%
HK$123,235
baseline
▲ 0.50% · 4.625%
HK$129,731
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,470/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,229 · Scale 2, in force from 26 Feb 2026)