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$58,369
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,184
−HK$1,845/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,803
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,676
−HK$1,767/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$3,608/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,043
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,221
−HK$2,214/mo
Today · 4.125%
HK$74,435
baseline
▲ 0.50% · 4.625%
HK$78,964
+HK$4,529/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,870/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,922
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,012
−HK$2,120/mo
Today · 4.125%
HK$82,132
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,264/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,716
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,258
−HK$2,583/mo
Today · 4.125%
HK$86,841
baseline
▲ 0.50% · 4.625%
HK$92,125
+HK$5,284/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,682/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,909
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,347
−HK$2,473/mo
Today · 4.125%
HK$95,820
baseline
▲ 0.50% · 4.625%
HK$100,871
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,640/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,064
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,332
−HK$3,320/mo
Today · 4.125%
HK$111,652
baseline
▲ 0.50% · 4.625%
HK$118,446
+HK$6,794/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,304/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,883
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,017
−HK$3,180/mo
Today · 4.125%
HK$123,197
baseline
▲ 0.50% · 4.625%
HK$129,691
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,394/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,895 · Scale 2, in force from 26 Feb 2026)