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$60,832
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,724
−HK$1,922/mo
Today · 4.125%
HK$64,646
baseline
▲ 0.50% · 4.625%
HK$68,580
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,292/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,490
−HK$1,841/mo
Today · 4.125%
HK$71,331
baseline
▲ 0.50% · 4.625%
HK$75,091
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,662/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,998
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,269
−HK$2,307/mo
Today · 4.125%
HK$77,576
baseline
▲ 0.50% · 4.625%
HK$82,296
+HK$4,720/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,152/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,209
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,387
−HK$2,210/mo
Today · 4.125%
HK$85,597
baseline
▲ 0.50% · 4.625%
HK$90,109
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,194/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,164
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,813
−HK$2,692/mo
Today · 4.125%
HK$90,505
baseline
▲ 0.50% · 4.625%
HK$96,012
+HK$5,507/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$181,010/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,744
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,285
−HK$2,578/mo
Today · 4.125%
HK$99,863
baseline
▲ 0.50% · 4.625%
HK$105,127
+HK$5,264/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,726/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,497
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,903
−HK$3,460/mo
Today · 4.125%
HK$116,363
baseline
▲ 0.50% · 4.625%
HK$123,444
+HK$7,081/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,726/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,814
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$125,081
−HK$3,314/mo
Today · 4.125%
HK$128,395
baseline
▲ 0.50% · 4.625%
HK$135,163
+HK$6,768/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,790/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,796 · Scale 2, in force from 26 Feb 2026)