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$60,985
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,927/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,752
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,845
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$1,846/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,280
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,182
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,458
−HK$2,313/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$82,503
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,414
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,597
−HK$2,215/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,379
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,034
−HK$2,699/mo
Today · 4.125%
HK$90,733
baseline
▲ 0.50% · 4.625%
HK$96,253
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,466/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,983
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,530
−HK$2,584/mo
Today · 4.125%
HK$100,114
baseline
▲ 0.50% · 4.625%
HK$105,392
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,228/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,772
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,187
−HK$3,469/mo
Today · 4.125%
HK$116,656
baseline
▲ 0.50% · 4.625%
HK$123,754
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,312/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,121
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,396
−HK$3,323/mo
Today · 4.125%
HK$128,719
baseline
▲ 0.50% · 4.625%
HK$135,503
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,438/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,649 · Scale 2, in force from 26 Feb 2026)