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$60,931
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,826
−HK$1,926/mo
Today · 4.125%
HK$64,752
baseline
▲ 0.50% · 4.625%
HK$68,692
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,504/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,785
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,603
−HK$1,844/mo
Today · 4.125%
HK$71,447
baseline
▲ 0.50% · 4.625%
HK$75,213
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,894/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,117
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,391
−HK$2,311/mo
Today · 4.125%
HK$77,702
baseline
▲ 0.50% · 4.625%
HK$82,430
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,404/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,342
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,524
−HK$2,213/mo
Today · 4.125%
HK$85,737
baseline
▲ 0.50% · 4.625%
HK$90,256
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,474/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,303
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,957
−HK$2,695/mo
Today · 4.125%
HK$90,652
baseline
▲ 0.50% · 4.625%
HK$96,168
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,304/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,899
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,444
−HK$2,582/mo
Today · 4.125%
HK$100,026
baseline
▲ 0.50% · 4.625%
HK$105,299
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,052/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,676
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,087
−HK$3,466/mo
Today · 4.125%
HK$116,553
baseline
▲ 0.50% · 4.625%
HK$123,645
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,106/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,013
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,285
−HK$3,320/mo
Today · 4.125%
HK$128,605
baseline
▲ 0.50% · 4.625%
HK$135,384
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,210/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,645 · Scale 2, in force from 26 Feb 2026)