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$60,967
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,863
−HK$1,927/mo
Today · 4.125%
HK$64,790
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,580/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,825
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,644
−HK$1,845/mo
Today · 4.125%
HK$71,489
baseline
▲ 0.50% · 4.625%
HK$75,257
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,978/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,160
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,436
−HK$2,312/mo
Today · 4.125%
HK$77,748
baseline
▲ 0.50% · 4.625%
HK$82,478
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,496/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,390
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,573
−HK$2,214/mo
Today · 4.125%
HK$85,787
baseline
▲ 0.50% · 4.625%
HK$90,309
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,574/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,353
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,008
−HK$2,698/mo
Today · 4.125%
HK$90,706
baseline
▲ 0.50% · 4.625%
HK$96,225
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,412/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,955
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,501
−HK$2,584/mo
Today · 4.125%
HK$100,085
baseline
▲ 0.50% · 4.625%
HK$105,360
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,170/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,740
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,153
−HK$3,469/mo
Today · 4.125%
HK$116,622
baseline
▲ 0.50% · 4.625%
HK$123,718
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,244/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,085
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,359
−HK$3,321/mo
Today · 4.125%
HK$128,680
baseline
▲ 0.50% · 4.625%
HK$135,463
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,360/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,312 · Scale 2, in force from 26 Feb 2026)