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$60,941
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,836
−HK$1,926/mo
Today · 4.125%
HK$64,762
baseline
▲ 0.50% · 4.625%
HK$68,703
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,524/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,796
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,614
−HK$1,844/mo
Today · 4.125%
HK$71,458
baseline
▲ 0.50% · 4.625%
HK$75,225
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,916/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,129
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$2,311/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,355
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,537
−HK$2,213/mo
Today · 4.125%
HK$85,750
baseline
▲ 0.50% · 4.625%
HK$90,270
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,500/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,317
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,971
−HK$2,696/mo
Today · 4.125%
HK$90,667
baseline
▲ 0.50% · 4.625%
HK$96,184
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,334/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,914
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,460
−HK$2,582/mo
Today · 4.125%
HK$100,042
baseline
▲ 0.50% · 4.625%
HK$105,315
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,084/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,693
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,105
−HK$3,467/mo
Today · 4.125%
HK$116,572
baseline
▲ 0.50% · 4.625%
HK$123,665
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,144/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,032
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,305
−HK$3,320/mo
Today · 4.125%
HK$128,625
baseline
▲ 0.50% · 4.625%
HK$135,405
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,250/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,825 · Scale 2, in force from 26 Feb 2026)