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$60,827
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,923/mo
Today · 4.125%
HK$64,642
baseline
▲ 0.50% · 4.625%
HK$68,575
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,284/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,670
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,484
−HK$1,842/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,085
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,993
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,263
−HK$2,307/mo
Today · 4.125%
HK$77,570
baseline
▲ 0.50% · 4.625%
HK$82,290
+HK$4,720/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,140/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,204
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,381
−HK$2,210/mo
Today · 4.125%
HK$85,591
baseline
▲ 0.50% · 4.625%
HK$90,102
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,182/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,158
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,807
−HK$2,691/mo
Today · 4.125%
HK$90,498
baseline
▲ 0.50% · 4.625%
HK$96,005
+HK$5,507/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,996/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,737
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,278
−HK$2,578/mo
Today · 4.125%
HK$99,856
baseline
▲ 0.50% · 4.625%
HK$105,119
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,712/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,489
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,895
−HK$3,460/mo
Today · 4.125%
HK$116,355
baseline
▲ 0.50% · 4.625%
HK$123,435
+HK$7,080/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,710/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,805
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$125,072
−HK$3,314/mo
Today · 4.125%
HK$128,386
baseline
▲ 0.50% · 4.625%
HK$135,153
+HK$6,767/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,772/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,712 · Scale 2, in force from 26 Feb 2026)