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$60,822
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,714
−HK$1,923/mo
Today · 4.125%
HK$64,637
baseline
▲ 0.50% · 4.625%
HK$68,570
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,274/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,664
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,479
−HK$1,841/mo
Today · 4.125%
HK$71,320
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,640/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,987
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,257
−HK$2,307/mo
Today · 4.125%
HK$77,564
baseline
▲ 0.50% · 4.625%
HK$82,283
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,128/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,197
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,375
−HK$2,209/mo
Today · 4.125%
HK$85,584
baseline
▲ 0.50% · 4.625%
HK$90,095
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,168/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,151
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,800
−HK$2,691/mo
Today · 4.125%
HK$90,491
baseline
▲ 0.50% · 4.625%
HK$95,997
+HK$5,506/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,982/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,730
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,271
−HK$2,577/mo
Today · 4.125%
HK$99,848
baseline
▲ 0.50% · 4.625%
HK$105,111
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,696/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,480
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,886
−HK$3,460/mo
Today · 4.125%
HK$116,346
baseline
▲ 0.50% · 4.625%
HK$123,425
+HK$7,079/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,692/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,796
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,062
−HK$3,314/mo
Today · 4.125%
HK$128,376
baseline
▲ 0.50% · 4.625%
HK$135,143
+HK$6,767/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,752/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,625 · Scale 2, in force from 26 Feb 2026)