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$60,804
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,922/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,548
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,643
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,458
−HK$1,840/mo
Today · 4.125%
HK$71,298
baseline
▲ 0.50% · 4.625%
HK$75,056
+HK$3,758/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,596/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,964
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,234
−HK$2,306/mo
Today · 4.125%
HK$77,540
baseline
▲ 0.50% · 4.625%
HK$82,258
+HK$4,718/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,080/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,172
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,349
−HK$2,209/mo
Today · 4.125%
HK$85,558
baseline
▲ 0.50% · 4.625%
HK$90,067
+HK$4,509/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,116/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,125
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,773
−HK$2,690/mo
Today · 4.125%
HK$90,463
baseline
▲ 0.50% · 4.625%
HK$95,968
+HK$5,505/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,926/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,701
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,241
−HK$2,576/mo
Today · 4.125%
HK$99,817
baseline
▲ 0.50% · 4.625%
HK$105,079
+HK$5,262/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,634/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,446
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$112,851
−HK$3,459/mo
Today · 4.125%
HK$116,310
baseline
▲ 0.50% · 4.625%
HK$123,387
+HK$7,077/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,620/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,758
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,024
−HK$3,312/mo
Today · 4.125%
HK$128,336
baseline
▲ 0.50% · 4.625%
HK$135,101
+HK$6,765/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,672/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,273 · Scale 2, in force from 26 Feb 2026)