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$60,898
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,792
−HK$1,925/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,655
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,566
−HK$1,843/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,351
−HK$2,309/mo
Today · 4.125%
HK$77,660
baseline
▲ 0.50% · 4.625%
HK$82,386
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,320/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,298
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,479
−HK$2,212/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,207
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,257
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,909
−HK$2,695/mo
Today · 4.125%
HK$90,604
baseline
▲ 0.50% · 4.625%
HK$96,117
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,208/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,848
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,392
−HK$2,580/mo
Today · 4.125%
HK$99,972
baseline
▲ 0.50% · 4.625%
HK$105,242
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,944/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,617
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,026
−HK$3,465/mo
Today · 4.125%
HK$116,491
baseline
▲ 0.50% · 4.625%
HK$123,579
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,982/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,947
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,218
−HK$3,318/mo
Today · 4.125%
HK$128,536
baseline
▲ 0.50% · 4.625%
HK$135,311
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,072/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,035 · Scale 2, in force from 26 Feb 2026)