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$60,871
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,765
−HK$1,923/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,624
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,719
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,535
−HK$1,842/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,140
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,045
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,318
−HK$2,308/mo
Today · 4.125%
HK$77,626
baseline
▲ 0.50% · 4.625%
HK$82,349
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,252/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,262
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,442
−HK$2,211/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,167
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,220
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,870
−HK$2,694/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$96,074
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,806
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,349
−HK$2,579/mo
Today · 4.125%
HK$99,928
baseline
▲ 0.50% · 4.625%
HK$105,195
+HK$5,267/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,856/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,568
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,976
−HK$3,463/mo
Today · 4.125%
HK$116,439
baseline
▲ 0.50% · 4.625%
HK$123,524
+HK$7,085/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,878/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,893
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,163
−HK$3,316/mo
Today · 4.125%
HK$128,479
baseline
▲ 0.50% · 4.625%
HK$135,251
+HK$6,772/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,958/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,533 · Scale 2, in force from 26 Feb 2026)