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$60,838
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,731
−HK$1,923/mo
Today · 4.125%
HK$64,654
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,308/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,682
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,497
−HK$1,842/mo
Today · 4.125%
HK$71,339
baseline
▲ 0.50% · 4.625%
HK$75,099
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,678/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,006
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,277
−HK$2,307/mo
Today · 4.125%
HK$77,584
baseline
▲ 0.50% · 4.625%
HK$82,305
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,168/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,219
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,397
−HK$2,210/mo
Today · 4.125%
HK$85,607
baseline
▲ 0.50% · 4.625%
HK$90,119
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,214/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,174
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,823
−HK$2,692/mo
Today · 4.125%
HK$90,515
baseline
▲ 0.50% · 4.625%
HK$96,023
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,030/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,755
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,296
−HK$2,578/mo
Today · 4.125%
HK$99,874
baseline
▲ 0.50% · 4.625%
HK$105,139
+HK$5,265/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,748/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,509
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,916
−HK$3,460/mo
Today · 4.125%
HK$116,376
baseline
▲ 0.50% · 4.625%
HK$123,458
+HK$7,082/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,752/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,828
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,095
−HK$3,315/mo
Today · 4.125%
HK$128,410
baseline
▲ 0.50% · 4.625%
HK$135,179
+HK$6,769/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,820/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,923 · Scale 2, in force from 26 Feb 2026)