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$58,353
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,844/mo
Today · 4.125%
HK$62,012
baseline
▲ 0.50% · 4.625%
HK$65,785
+HK$3,773/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,024/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,917
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$1,766/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,031
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,023
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,202
−HK$2,212/mo
Today · 4.125%
HK$74,414
baseline
▲ 0.50% · 4.625%
HK$78,942
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,828/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,900
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,990
−HK$2,119/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$86,437
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,694
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,235
−HK$2,582/mo
Today · 4.125%
HK$86,817
baseline
▲ 0.50% · 4.625%
HK$92,099
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,634/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,884
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,321
−HK$2,473/mo
Today · 4.125%
HK$95,794
baseline
▲ 0.50% · 4.625%
HK$100,843
+HK$5,049/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,588/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,035
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,302
−HK$3,320/mo
Today · 4.125%
HK$111,622
baseline
▲ 0.50% · 4.625%
HK$118,414
+HK$6,792/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,244/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,850
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,984
−HK$3,180/mo
Today · 4.125%
HK$123,164
baseline
▲ 0.50% · 4.625%
HK$129,656
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,328/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,595 · Scale 2, in force from 26 Feb 2026)