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$58,354
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,169
−HK$1,844/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,918
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,659
−HK$1,767/mo
Today · 4.125%
HK$68,426
baseline
▲ 0.50% · 4.625%
HK$72,033
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,852/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,025
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,203
−HK$2,213/mo
Today · 4.125%
HK$74,416
baseline
▲ 0.50% · 4.625%
HK$78,944
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,832/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,902
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,991
−HK$2,120/mo
Today · 4.125%
HK$82,111
baseline
▲ 0.50% · 4.625%
HK$86,439
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,222/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,696
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,237
−HK$2,582/mo
Today · 4.125%
HK$86,819
baseline
▲ 0.50% · 4.625%
HK$92,102
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,638/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,886
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,323
−HK$2,473/mo
Today · 4.125%
HK$95,796
baseline
▲ 0.50% · 4.625%
HK$100,846
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,592/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,037
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,305
−HK$3,319/mo
Today · 4.125%
HK$111,624
baseline
▲ 0.50% · 4.625%
HK$118,416
+HK$6,792/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,248/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,853
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,987
−HK$3,179/mo
Today · 4.125%
HK$123,166
baseline
▲ 0.50% · 4.625%
HK$129,659
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,619 · Scale 2, in force from 26 Feb 2026)