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$60,790
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,681
−HK$1,921/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,628
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$1,840/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,039
+HK$3,757/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,948
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,217
−HK$2,305/mo
Today · 4.125%
HK$77,522
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,718/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$155,044/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,330
−HK$2,208/mo
Today · 4.125%
HK$85,538
baseline
▲ 0.50% · 4.625%
HK$90,047
+HK$4,509/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$171,076/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,106
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,753
−HK$2,690/mo
Today · 4.125%
HK$90,443
baseline
▲ 0.50% · 4.625%
HK$95,946
+HK$5,503/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,886/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,680
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,219
−HK$2,576/mo
Today · 4.125%
HK$99,795
baseline
▲ 0.50% · 4.625%
HK$105,055
+HK$5,260/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,590/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,422
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,826
−HK$3,458/mo
Today · 4.125%
HK$116,284
baseline
▲ 0.50% · 4.625%
HK$123,359
+HK$7,075/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,568/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,731
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$124,996
−HK$3,312/mo
Today · 4.125%
HK$128,308
baseline
▲ 0.50% · 4.625%
HK$135,071
+HK$6,763/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,616/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,020 · Scale 2, in force from 26 Feb 2026)