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$58,356
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,172
−HK$1,844/mo
Today · 4.125%
HK$62,016
baseline
▲ 0.50% · 4.625%
HK$65,789
+HK$3,773/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,032/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,921
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,662
−HK$1,766/mo
Today · 4.125%
HK$68,428
baseline
▲ 0.50% · 4.625%
HK$72,035
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,856/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,028
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,206
−HK$2,213/mo
Today · 4.125%
HK$74,419
baseline
▲ 0.50% · 4.625%
HK$78,947
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,838/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,905
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,994
−HK$2,120/mo
Today · 4.125%
HK$82,114
baseline
▲ 0.50% · 4.625%
HK$86,442
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,228/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,699
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,240
−HK$2,582/mo
Today · 4.125%
HK$86,822
baseline
▲ 0.50% · 4.625%
HK$92,105
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,644/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,889
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,327
−HK$2,473/mo
Today · 4.125%
HK$95,800
baseline
▲ 0.50% · 4.625%
HK$100,849
+HK$5,049/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,600/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,042
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,309
−HK$3,320/mo
Today · 4.125%
HK$111,629
baseline
▲ 0.50% · 4.625%
HK$118,421
+HK$6,792/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,258/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,858
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,992
−HK$3,179/mo
Today · 4.125%
HK$123,171
baseline
▲ 0.50% · 4.625%
HK$129,664
+HK$6,493/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,342/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,662 · Scale 2, in force from 26 Feb 2026)