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$60,939
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,834
−HK$1,926/mo
Today · 4.125%
HK$64,760
baseline
▲ 0.50% · 4.625%
HK$68,701
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,520/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,794
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,612
−HK$1,844/mo
Today · 4.125%
HK$71,456
baseline
▲ 0.50% · 4.625%
HK$75,223
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,912/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,127
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$2,311/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$82,441
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,353
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,534
−HK$2,214/mo
Today · 4.125%
HK$85,748
baseline
▲ 0.50% · 4.625%
HK$90,268
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,496/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,314
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,968
−HK$2,696/mo
Today · 4.125%
HK$90,664
baseline
▲ 0.50% · 4.625%
HK$96,181
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,328/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,911
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,457
−HK$2,582/mo
Today · 4.125%
HK$100,039
baseline
▲ 0.50% · 4.625%
HK$105,312
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,078/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,690
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,102
−HK$3,466/mo
Today · 4.125%
HK$116,568
baseline
▲ 0.50% · 4.625%
HK$123,661
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,136/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,029
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,302
−HK$3,320/mo
Today · 4.125%
HK$128,622
baseline
▲ 0.50% · 4.625%
HK$135,401
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,244/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,793 · Scale 2, in force from 26 Feb 2026)