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$60,886
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,780
−HK$1,924/mo
Today · 4.125%
HK$64,704
baseline
▲ 0.50% · 4.625%
HK$68,641
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,408/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,735
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,551
−HK$1,843/mo
Today · 4.125%
HK$71,394
baseline
▲ 0.50% · 4.625%
HK$75,157
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,788/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,063
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,335
−HK$2,309/mo
Today · 4.125%
HK$77,644
baseline
▲ 0.50% · 4.625%
HK$82,369
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,288/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,282
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,462
−HK$2,211/mo
Today · 4.125%
HK$85,673
baseline
▲ 0.50% · 4.625%
HK$90,189
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,346/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,240
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,891
−HK$2,694/mo
Today · 4.125%
HK$90,585
baseline
▲ 0.50% · 4.625%
HK$96,097
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,170/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,829
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,372
−HK$2,580/mo
Today · 4.125%
HK$99,952
baseline
▲ 0.50% · 4.625%
HK$105,220
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,904/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,594
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,003
−HK$3,464/mo
Today · 4.125%
HK$116,467
baseline
▲ 0.50% · 4.625%
HK$123,553
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,934/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,922
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,192
−HK$3,317/mo
Today · 4.125%
HK$128,509
baseline
▲ 0.50% · 4.625%
HK$135,283
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,018/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,802 · Scale 2, in force from 26 Feb 2026)