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$60,836
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,923/mo
Today · 4.125%
HK$64,651
baseline
▲ 0.50% · 4.625%
HK$68,585
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,302/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,679
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,495
−HK$1,841/mo
Today · 4.125%
HK$71,336
baseline
▲ 0.50% · 4.625%
HK$75,096
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,672/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,003
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,274
−HK$2,307/mo
Today · 4.125%
HK$77,581
baseline
▲ 0.50% · 4.625%
HK$82,302
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,162/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,215
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,393
−HK$2,210/mo
Today · 4.125%
HK$85,603
baseline
▲ 0.50% · 4.625%
HK$90,115
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,206/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,170
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,820
−HK$2,691/mo
Today · 4.125%
HK$90,511
baseline
▲ 0.50% · 4.625%
HK$96,019
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,022/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,751
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,292
−HK$2,578/mo
Today · 4.125%
HK$99,870
baseline
▲ 0.50% · 4.625%
HK$105,135
+HK$5,265/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,740/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,505
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,911
−HK$3,461/mo
Today · 4.125%
HK$116,372
baseline
▲ 0.50% · 4.625%
HK$123,453
+HK$7,081/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,744/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,823
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,090
−HK$3,315/mo
Today · 4.125%
HK$128,405
baseline
▲ 0.50% · 4.625%
HK$135,173
+HK$6,768/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,810/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,877 · Scale 2, in force from 26 Feb 2026)