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$60,817
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,708
−HK$1,922/mo
Today · 4.125%
HK$64,630
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,260/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,658
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,473
−HK$1,840/mo
Today · 4.125%
HK$71,313
baseline
▲ 0.50% · 4.625%
HK$75,072
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,626/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,980
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,250
−HK$2,307/mo
Today · 4.125%
HK$77,557
baseline
▲ 0.50% · 4.625%
HK$82,276
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,114/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,190
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,367
−HK$2,209/mo
Today · 4.125%
HK$85,576
baseline
▲ 0.50% · 4.625%
HK$90,087
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,152/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,143
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,792
−HK$2,691/mo
Today · 4.125%
HK$90,483
baseline
▲ 0.50% · 4.625%
HK$95,988
+HK$5,505/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,966/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,721
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,262
−HK$2,577/mo
Today · 4.125%
HK$99,839
baseline
▲ 0.50% · 4.625%
HK$105,101
+HK$5,262/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,678/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,470
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,875
−HK$3,460/mo
Today · 4.125%
HK$116,335
baseline
▲ 0.50% · 4.625%
HK$123,413
+HK$7,078/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,670/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,784
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,051
−HK$3,313/mo
Today · 4.125%
HK$128,364
baseline
▲ 0.50% · 4.625%
HK$135,130
+HK$6,766/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,728/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,517 · Scale 2, in force from 26 Feb 2026)