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$58,372
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,845/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,807
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,680
−HK$1,766/mo
Today · 4.125%
HK$68,446
baseline
▲ 0.50% · 4.625%
HK$72,054
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,892/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,046
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,225
−HK$2,214/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,968
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,121/mo
Today · 4.125%
HK$82,136
baseline
▲ 0.50% · 4.625%
HK$86,465
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,272/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,720
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,262
−HK$2,583/mo
Today · 4.125%
HK$86,845
baseline
▲ 0.50% · 4.625%
HK$92,129
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,690/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,913
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,351
−HK$2,474/mo
Today · 4.125%
HK$95,825
baseline
▲ 0.50% · 4.625%
HK$100,876
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,650/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,069
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,337
−HK$3,321/mo
Today · 4.125%
HK$111,658
baseline
▲ 0.50% · 4.625%
HK$118,452
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,316/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,888
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,023
−HK$3,180/mo
Today · 4.125%
HK$123,203
baseline
▲ 0.50% · 4.625%
HK$129,698
+HK$6,495/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,948 · Scale 2, in force from 26 Feb 2026)