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$60,893
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,924/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,649
+HK$3,938/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,743
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,560
−HK$1,843/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,166
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,071
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,344
−HK$2,310/mo
Today · 4.125%
HK$77,654
baseline
▲ 0.50% · 4.625%
HK$82,379
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,308/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,291
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,471
−HK$2,212/mo
Today · 4.125%
HK$85,683
baseline
▲ 0.50% · 4.625%
HK$90,200
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,366/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,250
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,694/mo
Today · 4.125%
HK$90,596
baseline
▲ 0.50% · 4.625%
HK$96,109
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,192/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,840
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,383
−HK$2,581/mo
Today · 4.125%
HK$99,964
baseline
▲ 0.50% · 4.625%
HK$105,233
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,928/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,607
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,017
−HK$3,464/mo
Today · 4.125%
HK$116,481
baseline
▲ 0.50% · 4.625%
HK$123,568
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,962/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,937
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,207
−HK$3,318/mo
Today · 4.125%
HK$128,525
baseline
▲ 0.50% · 4.625%
HK$135,299
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,050/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,938 · Scale 2, in force from 26 Feb 2026)