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$58,395
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,846/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,833
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,964
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,706
−HK$1,767/mo
Today · 4.125%
HK$68,473
baseline
▲ 0.50% · 4.625%
HK$72,083
+HK$3,610/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$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$4,394/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$1,088,377 · 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$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,296
−HK$2,583/mo
Today · 4.125%
HK$86,879
baseline
▲ 0.50% · 4.625%
HK$92,166
+HK$5,287/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$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,388
−HK$2,475/mo
Today · 4.125%
HK$95,863
baseline
▲ 0.50% · 4.625%
HK$100,916
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,726/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,111
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,380
−HK$3,322/mo
Today · 4.125%
HK$111,702
baseline
▲ 0.50% · 4.625%
HK$118,499
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,934
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,071
−HK$3,181/mo
Today · 4.125%
HK$123,252
baseline
▲ 0.50% · 4.625%
HK$129,749
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,504/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,377 · Scale 2, in force from 26 Feb 2026)