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$58,397
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,213
−HK$1,846/mo
Today · 4.125%
HK$62,059
baseline
▲ 0.50% · 4.625%
HK$65,835
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,118/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,708
−HK$1,768/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,085
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,076
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,256
−HK$2,215/mo
Today · 4.125%
HK$74,471
baseline
▲ 0.50% · 4.625%
HK$79,002
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,942/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,959
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,050
−HK$2,121/mo
Today · 4.125%
HK$82,171
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,342/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,756
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,299
−HK$2,583/mo
Today · 4.125%
HK$86,882
baseline
▲ 0.50% · 4.625%
HK$92,169
+HK$5,287/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,764/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,952
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,392
−HK$2,474/mo
Today · 4.125%
HK$95,866
baseline
▲ 0.50% · 4.625%
HK$100,919
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,732/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,114
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,384
−HK$3,322/mo
Today · 4.125%
HK$111,706
baseline
▲ 0.50% · 4.625%
HK$118,503
+HK$6,797/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,412/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,939
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,075
−HK$3,182/mo
Today · 4.125%
HK$123,257
baseline
▲ 0.50% · 4.625%
HK$129,754
+HK$6,497/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,514/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,417 · Scale 2, in force from 26 Feb 2026)