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$58,392
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,845/mo
Today · 4.125%
HK$62,053
baseline
▲ 0.50% · 4.625%
HK$65,829
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,106/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$1,768/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,079
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,070
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,249
−HK$2,215/mo
Today · 4.125%
HK$74,464
baseline
▲ 0.50% · 4.625%
HK$78,995
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,928/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,952
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,043
−HK$2,120/mo
Today · 4.125%
HK$82,163
baseline
▲ 0.50% · 4.625%
HK$86,494
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,326/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,748
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,291
−HK$2,583/mo
Today · 4.125%
HK$86,874
baseline
▲ 0.50% · 4.625%
HK$92,161
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,748/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,944
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,383
−HK$2,474/mo
Today · 4.125%
HK$95,857
baseline
▲ 0.50% · 4.625%
HK$100,910
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,714/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,105
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,374
−HK$3,322/mo
Today · 4.125%
HK$111,696
baseline
▲ 0.50% · 4.625%
HK$118,492
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,392/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,928
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,064
−HK$3,181/mo
Today · 4.125%
HK$123,245
baseline
▲ 0.50% · 4.625%
HK$129,742
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,490/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,316 · Scale 2, in force from 26 Feb 2026)