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$60,889
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,783
−HK$1,924/mo
Today · 4.125%
HK$64,707
baseline
▲ 0.50% · 4.625%
HK$68,644
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,414/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,738
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,555
−HK$1,843/mo
Today · 4.125%
HK$71,398
baseline
▲ 0.50% · 4.625%
HK$75,162
+HK$3,764/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,796/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,067
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,340
−HK$2,309/mo
Today · 4.125%
HK$77,649
baseline
▲ 0.50% · 4.625%
HK$82,373
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,298/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,286
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,466
−HK$2,212/mo
Today · 4.125%
HK$85,678
baseline
▲ 0.50% · 4.625%
HK$90,194
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,356/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,245
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,896
−HK$2,694/mo
Today · 4.125%
HK$90,590
baseline
▲ 0.50% · 4.625%
HK$96,102
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,180/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,834
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,377
−HK$2,580/mo
Today · 4.125%
HK$99,957
baseline
▲ 0.50% · 4.625%
HK$105,226
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,914/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,600
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,009
−HK$3,464/mo
Today · 4.125%
HK$116,473
baseline
▲ 0.50% · 4.625%
HK$123,560
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,946/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,929
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,199
−HK$3,317/mo
Today · 4.125%
HK$128,516
baseline
▲ 0.50% · 4.625%
HK$135,291
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,032/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,864 · Scale 2, in force from 26 Feb 2026)