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$60,911
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,806
−HK$1,925/mo
Today · 4.125%
HK$64,731
baseline
▲ 0.50% · 4.625%
HK$68,670
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,462/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,763
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,581
−HK$1,843/mo
Today · 4.125%
HK$71,424
baseline
▲ 0.50% · 4.625%
HK$75,189
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,848/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,094
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,367
−HK$2,310/mo
Today · 4.125%
HK$77,677
baseline
▲ 0.50% · 4.625%
HK$82,404
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,354/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,316
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,497
−HK$2,212/mo
Today · 4.125%
HK$85,709
baseline
▲ 0.50% · 4.625%
HK$90,227
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,418/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,276
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,929
−HK$2,694/mo
Today · 4.125%
HK$90,623
baseline
▲ 0.50% · 4.625%
HK$96,138
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,246/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,869
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,581/mo
Today · 4.125%
HK$99,994
baseline
▲ 0.50% · 4.625%
HK$105,265
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,988/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,640
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,051
−HK$3,465/mo
Today · 4.125%
HK$116,516
baseline
▲ 0.50% · 4.625%
HK$123,606
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,032/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,974
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,245
−HK$3,319/mo
Today · 4.125%
HK$128,564
baseline
▲ 0.50% · 4.625%
HK$135,341
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,128/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,282 · Scale 2, in force from 26 Feb 2026)