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$61,019
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,929/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$1,847/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,223
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,501
−HK$2,314/mo
Today · 4.125%
HK$77,815
baseline
▲ 0.50% · 4.625%
HK$82,550
+HK$4,735/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$155,630/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,460
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,645
−HK$2,216/mo
Today · 4.125%
HK$85,861
baseline
▲ 0.50% · 4.625%
HK$90,387
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$171,722/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,427
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,084
−HK$2,700/mo
Today · 4.125%
HK$90,784
baseline
▲ 0.50% · 4.625%
HK$96,308
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,568/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,037
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,586
−HK$2,585/mo
Today · 4.125%
HK$100,171
baseline
▲ 0.50% · 4.625%
HK$105,452
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,342/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,835
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,251
−HK$3,471/mo
Today · 4.125%
HK$116,722
baseline
▲ 0.50% · 4.625%
HK$123,825
+HK$7,103/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,444/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,190
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,467
−HK$3,325/mo
Today · 4.125%
HK$128,792
baseline
▲ 0.50% · 4.625%
HK$135,581
+HK$6,789/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,584/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,295 · Scale 2, in force from 26 Feb 2026)