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$58,376
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,192
−HK$1,845/mo
Today · 4.125%
HK$62,037
baseline
▲ 0.50% · 4.625%
HK$65,812
+HK$3,775/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,074/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,943
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,684
−HK$1,767/mo
Today · 4.125%
HK$68,451
baseline
▲ 0.50% · 4.625%
HK$72,060
+HK$3,609/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,902/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,051
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$2,214/mo
Today · 4.125%
HK$74,444
baseline
▲ 0.50% · 4.625%
HK$78,974
+HK$4,530/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$148,888/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,931
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,121/mo
Today · 4.125%
HK$82,142
baseline
▲ 0.50% · 4.625%
HK$86,471
+HK$4,329/mo
Deposit HK$10.24M · loan HK$15.36M · min. income ≈ HK$164,284/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,269
−HK$2,582/mo
Today · 4.125%
HK$86,851
baseline
▲ 0.50% · 4.625%
HK$92,136
+HK$5,285/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$173,702/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,920
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,358
−HK$2,474/mo
Today · 4.125%
HK$95,832
baseline
▲ 0.50% · 4.625%
HK$100,883
+HK$5,051/mo
Deposit HK$7.68M · loan HK$17.92M · min. income ≈ HK$191,664/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,345
−HK$3,321/mo
Today · 4.125%
HK$111,666
baseline
▲ 0.50% · 4.625%
HK$118,461
+HK$6,795/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$223,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,897
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,032
−HK$3,181/mo
Today · 4.125%
HK$123,213
baseline
▲ 0.50% · 4.625%
HK$129,707
+HK$6,494/mo
Deposit HK$2.56M · loan HK$23.04M · min. income ≈ HK$246,426/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,028 · Scale 2, in force from 26 Feb 2026)