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$60,841
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,734
−HK$1,922/mo
Today · 4.125%
HK$64,656
baseline
▲ 0.50% · 4.625%
HK$68,590
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,312/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,685
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,500
−HK$1,842/mo
Today · 4.125%
HK$71,342
baseline
▲ 0.50% · 4.625%
HK$75,102
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,684/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,009
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,280
−HK$2,308/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$82,309
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,222
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,400
−HK$2,210/mo
Today · 4.125%
HK$85,610
baseline
▲ 0.50% · 4.625%
HK$90,123
+HK$4,513/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,220/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,177
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,827
−HK$2,692/mo
Today · 4.125%
HK$90,519
baseline
▲ 0.50% · 4.625%
HK$96,027
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,038/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,759
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,300
−HK$2,579/mo
Today · 4.125%
HK$99,879
baseline
▲ 0.50% · 4.625%
HK$105,143
+HK$5,264/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,758/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,514
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,920
−HK$3,461/mo
Today · 4.125%
HK$116,381
baseline
▲ 0.50% · 4.625%
HK$123,463
+HK$7,082/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,762/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,833
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,101
−HK$3,314/mo
Today · 4.125%
HK$128,415
baseline
▲ 0.50% · 4.625%
HK$135,184
+HK$6,769/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,830/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,971 · Scale 2, in force from 26 Feb 2026)