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$60,847
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,740
−HK$1,923/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,597
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,692
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,507
−HK$1,842/mo
Today · 4.125%
HK$71,349
baseline
▲ 0.50% · 4.625%
HK$75,110
+HK$3,761/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,698/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$2,307/mo
Today · 4.125%
HK$77,595
baseline
▲ 0.50% · 4.625%
HK$82,317
+HK$4,722/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,190/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,230
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,409
−HK$2,210/mo
Today · 4.125%
HK$85,619
baseline
▲ 0.50% · 4.625%
HK$90,132
+HK$4,513/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,238/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,186
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,692/mo
Today · 4.125%
HK$90,528
baseline
▲ 0.50% · 4.625%
HK$96,036
+HK$5,508/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,056/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,769
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,310
−HK$2,579/mo
Today · 4.125%
HK$99,889
baseline
▲ 0.50% · 4.625%
HK$105,154
+HK$5,265/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,778/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,525
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,932
−HK$3,461/mo
Today · 4.125%
HK$116,393
baseline
▲ 0.50% · 4.625%
HK$123,475
+HK$7,082/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,786/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,845
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,113
−HK$3,315/mo
Today · 4.125%
HK$128,428
baseline
▲ 0.50% · 4.625%
HK$135,198
+HK$6,770/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,856/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,086 · Scale 2, in force from 26 Feb 2026)