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$58,386
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,202
−HK$1,845/mo
Today · 4.125%
HK$62,047
baseline
▲ 0.50% · 4.625%
HK$65,822
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,094/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,954
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,696
−HK$1,767/mo
Today · 4.125%
HK$68,463
baseline
▲ 0.50% · 4.625%
HK$72,072
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,926/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$2,214/mo
Today · 4.125%
HK$74,456
baseline
▲ 0.50% · 4.625%
HK$78,987
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,912/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,944
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,035
−HK$2,120/mo
Today · 4.125%
HK$82,155
baseline
▲ 0.50% · 4.625%
HK$86,486
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,310/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,740
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,283
−HK$2,583/mo
Today · 4.125%
HK$86,866
baseline
▲ 0.50% · 4.625%
HK$92,151
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,732/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,935
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,374
−HK$2,474/mo
Today · 4.125%
HK$95,848
baseline
▲ 0.50% · 4.625%
HK$100,900
+HK$5,052/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,696/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,094
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,363
−HK$3,322/mo
Today · 4.125%
HK$111,685
baseline
▲ 0.50% · 4.625%
HK$118,480
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,370/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,916
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,052
−HK$3,181/mo
Today · 4.125%
HK$123,233
baseline
▲ 0.50% · 4.625%
HK$129,729
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,466/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,209 · Scale 2, in force from 26 Feb 2026)