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$60,876
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,769
−HK$1,924/mo
Today · 4.125%
HK$64,693
baseline
▲ 0.50% · 4.625%
HK$68,629
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,386/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,723
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$1,842/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,145
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,323
−HK$2,309/mo
Today · 4.125%
HK$77,632
baseline
▲ 0.50% · 4.625%
HK$82,355
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,264/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,268
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,448
−HK$2,211/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,174
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,877
−HK$2,693/mo
Today · 4.125%
HK$90,570
baseline
▲ 0.50% · 4.625%
HK$96,081
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,140/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,813
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,356
−HK$2,579/mo
Today · 4.125%
HK$99,935
baseline
▲ 0.50% · 4.625%
HK$105,203
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,870/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,576
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,984
−HK$3,463/mo
Today · 4.125%
HK$116,447
baseline
▲ 0.50% · 4.625%
HK$123,533
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,894/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,902
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,172
−HK$3,316/mo
Today · 4.125%
HK$128,488
baseline
▲ 0.50% · 4.625%
HK$135,261
+HK$6,773/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,976/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,615 · Scale 2, in force from 26 Feb 2026)