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$58,370
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,186
−HK$1,845/mo
Today · 4.125%
HK$62,031
baseline
▲ 0.50% · 4.625%
HK$65,805
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,062/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,936
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,678
−HK$1,767/mo
Today · 4.125%
HK$68,445
baseline
▲ 0.50% · 4.625%
HK$72,052
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,890/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,044
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,223
−HK$2,214/mo
Today · 4.125%
HK$74,437
baseline
▲ 0.50% · 4.625%
HK$78,966
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,874/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,924
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,121/mo
Today · 4.125%
HK$82,134
baseline
▲ 0.50% · 4.625%
HK$86,463
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,268/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,718
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,260
−HK$2,583/mo
Today · 4.125%
HK$86,843
baseline
▲ 0.50% · 4.625%
HK$92,127
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,686/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,911
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,349
−HK$2,474/mo
Today · 4.125%
HK$95,823
baseline
▲ 0.50% · 4.625%
HK$100,873
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,646/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,067
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,335
−HK$3,320/mo
Today · 4.125%
HK$111,655
baseline
▲ 0.50% · 4.625%
HK$118,449
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,310/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,885
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,020
−HK$3,180/mo
Today · 4.125%
HK$123,200
baseline
▲ 0.50% · 4.625%
HK$129,694
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,921 · Scale 2, in force from 26 Feb 2026)