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$58,389
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,205
−HK$1,845/mo
Today · 4.125%
HK$62,050
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,776/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,100/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,957
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,699
−HK$1,767/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,075
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,067
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,246
−HK$2,214/mo
Today · 4.125%
HK$74,460
baseline
▲ 0.50% · 4.625%
HK$78,991
+HK$4,531/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,920/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,948
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,121/mo
Today · 4.125%
HK$82,160
baseline
▲ 0.50% · 4.625%
HK$86,491
+HK$4,331/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,320/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,744
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,287
−HK$2,584/mo
Today · 4.125%
HK$86,871
baseline
▲ 0.50% · 4.625%
HK$92,156
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,742/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,940
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,379
−HK$2,474/mo
Today · 4.125%
HK$95,853
baseline
▲ 0.50% · 4.625%
HK$100,906
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,706/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,100
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,369
−HK$3,322/mo
Today · 4.125%
HK$111,691
baseline
▲ 0.50% · 4.625%
HK$118,487
+HK$6,796/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,382/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,923
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,058
−HK$3,182/mo
Today · 4.125%
HK$123,240
baseline
▲ 0.50% · 4.625%
HK$129,736
+HK$6,496/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,480/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,267 · Scale 2, in force from 26 Feb 2026)