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$58,366
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,844/mo
Today · 4.125%
HK$62,026
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,052/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,932
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,673
−HK$1,767/mo
Today · 4.125%
HK$68,440
baseline
▲ 0.50% · 4.625%
HK$72,047
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,880/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,039
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,218
−HK$2,214/mo
Today · 4.125%
HK$74,432
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,864/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,918
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,008
−HK$2,120/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$86,457
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,713
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,254
−HK$2,583/mo
Today · 4.125%
HK$86,837
baseline
▲ 0.50% · 4.625%
HK$92,121
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,674/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,905
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,343
−HK$2,473/mo
Today · 4.125%
HK$95,816
baseline
▲ 0.50% · 4.625%
HK$100,866
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,632/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,059
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,327
−HK$3,320/mo
Today · 4.125%
HK$111,647
baseline
▲ 0.50% · 4.625%
HK$118,441
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,294/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,877
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,012
−HK$3,180/mo
Today · 4.125%
HK$123,192
baseline
▲ 0.50% · 4.625%
HK$129,685
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,384/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,845 · Scale 2, in force from 26 Feb 2026)