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$60,880
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,774
−HK$1,924/mo
Today · 4.125%
HK$64,698
baseline
▲ 0.50% · 4.625%
HK$68,634
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,396/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,728
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,545
−HK$1,842/mo
Today · 4.125%
HK$71,387
baseline
▲ 0.50% · 4.625%
HK$75,150
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,774/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,056
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,328
−HK$2,309/mo
Today · 4.125%
HK$77,637
baseline
▲ 0.50% · 4.625%
HK$82,361
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,274/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,274
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,454
−HK$2,211/mo
Today · 4.125%
HK$85,665
baseline
▲ 0.50% · 4.625%
HK$90,180
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,330/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,232
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,883
−HK$2,694/mo
Today · 4.125%
HK$90,577
baseline
▲ 0.50% · 4.625%
HK$96,088
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,154/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,820
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,363
−HK$2,579/mo
Today · 4.125%
HK$99,942
baseline
▲ 0.50% · 4.625%
HK$105,210
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,884/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,584
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,992
−HK$3,464/mo
Today · 4.125%
HK$116,456
baseline
▲ 0.50% · 4.625%
HK$123,542
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,912/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,911
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,180
−HK$3,317/mo
Today · 4.125%
HK$128,497
baseline
▲ 0.50% · 4.625%
HK$135,271
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,994/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,695 · Scale 2, in force from 26 Feb 2026)