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$60,818
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,922/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,565
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,660
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,474
−HK$1,841/mo
Today · 4.125%
HK$71,315
baseline
▲ 0.50% · 4.625%
HK$75,074
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,630/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,982
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$2,306/mo
Today · 4.125%
HK$77,558
baseline
▲ 0.50% · 4.625%
HK$82,278
+HK$4,720/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,116/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,192
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,369
−HK$2,209/mo
Today · 4.125%
HK$85,578
baseline
▲ 0.50% · 4.625%
HK$90,089
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,156/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,145
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,794
−HK$2,691/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,991
+HK$5,506/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,723
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,264
−HK$2,577/mo
Today · 4.125%
HK$99,841
baseline
▲ 0.50% · 4.625%
HK$105,104
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,682/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,473
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,878
−HK$3,460/mo
Today · 4.125%
HK$116,338
baseline
▲ 0.50% · 4.625%
HK$123,417
+HK$7,079/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,676/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,787
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,054
−HK$3,313/mo
Today · 4.125%
HK$128,367
baseline
▲ 0.50% · 4.625%
HK$135,134
+HK$6,767/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,546 · Scale 2, in force from 26 Feb 2026)