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$60,905
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,925/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,756
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,573
−HK$1,843/mo
Today · 4.125%
HK$71,416
baseline
▲ 0.50% · 4.625%
HK$75,181
+HK$3,765/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,832/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,085
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$2,310/mo
Today · 4.125%
HK$77,669
baseline
▲ 0.50% · 4.625%
HK$82,394
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,338/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,307
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,487
−HK$2,213/mo
Today · 4.125%
HK$85,700
baseline
▲ 0.50% · 4.625%
HK$90,217
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,400/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,266
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,919
−HK$2,694/mo
Today · 4.125%
HK$90,613
baseline
▲ 0.50% · 4.625%
HK$96,127
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,226/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,858
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,581/mo
Today · 4.125%
HK$99,983
baseline
▲ 0.50% · 4.625%
HK$105,253
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,966/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,628
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,038
−HK$3,465/mo
Today · 4.125%
HK$116,503
baseline
▲ 0.50% · 4.625%
HK$123,592
+HK$7,089/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,006/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,960
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,231
−HK$3,318/mo
Today · 4.125%
HK$128,549
baseline
▲ 0.50% · 4.625%
HK$135,325
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,098/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,154 · Scale 2, in force from 26 Feb 2026)