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$58,394
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,845/mo
Today · 4.125%
HK$62,056
baseline
▲ 0.50% · 4.625%
HK$65,832
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,112/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,963
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$1,768/mo
Today · 4.125%
HK$68,473
baseline
▲ 0.50% · 4.625%
HK$72,082
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,946/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,073
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,253
−HK$2,215/mo
Today · 4.125%
HK$74,468
baseline
▲ 0.50% · 4.625%
HK$78,999
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,936/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,956
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,047
−HK$2,121/mo
Today · 4.125%
HK$82,168
baseline
▲ 0.50% · 4.625%
HK$86,499
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,336/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,752
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,295
−HK$2,584/mo
Today · 4.125%
HK$86,879
baseline
▲ 0.50% · 4.625%
HK$92,165
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,758/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,388
−HK$2,474/mo
Today · 4.125%
HK$95,862
baseline
▲ 0.50% · 4.625%
HK$100,915
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,724/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,110
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,379
−HK$3,322/mo
Today · 4.125%
HK$111,701
baseline
▲ 0.50% · 4.625%
HK$118,498
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,402/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,934
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,070
−HK$3,181/mo
Today · 4.125%
HK$123,251
baseline
▲ 0.50% · 4.625%
HK$129,748
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,502/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,371 · Scale 2, in force from 26 Feb 2026)