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$60,825
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,717
−HK$1,922/mo
Today · 4.125%
HK$64,639
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,278/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,667
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,482
−HK$1,841/mo
Today · 4.125%
HK$71,323
baseline
▲ 0.50% · 4.625%
HK$75,082
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,646/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,990
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,260
−HK$2,307/mo
Today · 4.125%
HK$77,567
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,134/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,200
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,378
−HK$2,209/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,099
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,155
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,803
−HK$2,691/mo
Today · 4.125%
HK$90,494
baseline
▲ 0.50% · 4.625%
HK$96,001
+HK$5,507/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,988/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,734
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,274
−HK$2,578/mo
Today · 4.125%
HK$99,852
baseline
▲ 0.50% · 4.625%
HK$105,115
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,704/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,484
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,890
−HK$3,460/mo
Today · 4.125%
HK$116,350
baseline
▲ 0.50% · 4.625%
HK$123,430
+HK$7,080/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,700/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,800
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$125,067
−HK$3,314/mo
Today · 4.125%
HK$128,381
baseline
▲ 0.50% · 4.625%
HK$135,148
+HK$6,767/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,762/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,666 · Scale 2, in force from 26 Feb 2026)