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$58,367
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,183
−HK$1,844/mo
Today · 4.125%
HK$62,027
baseline
▲ 0.50% · 4.625%
HK$65,801
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,054/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,933
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,674
−HK$1,767/mo
Today · 4.125%
HK$68,441
baseline
▲ 0.50% · 4.625%
HK$72,049
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,882/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,041
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$2,214/mo
Today · 4.125%
HK$74,433
baseline
▲ 0.50% · 4.625%
HK$78,962
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,866/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,919
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,009
−HK$2,120/mo
Today · 4.125%
HK$82,129
baseline
▲ 0.50% · 4.625%
HK$86,458
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,258/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,714
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,256
−HK$2,582/mo
Today · 4.125%
HK$86,838
baseline
▲ 0.50% · 4.625%
HK$92,122
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,676/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,906
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,344
−HK$2,473/mo
Today · 4.125%
HK$95,817
baseline
▲ 0.50% · 4.625%
HK$100,868
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,634/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,061
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,329
−HK$3,320/mo
Today · 4.125%
HK$111,649
baseline
▲ 0.50% · 4.625%
HK$118,443
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,298/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,879
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,014
−HK$3,180/mo
Today · 4.125%
HK$123,194
baseline
▲ 0.50% · 4.625%
HK$129,687
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,388/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,862 · Scale 2, in force from 26 Feb 2026)