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$60,972
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,869
−HK$1,927/mo
Today · 4.125%
HK$64,796
baseline
▲ 0.50% · 4.625%
HK$68,738
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,592/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,831
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,650
−HK$1,846/mo
Today · 4.125%
HK$71,496
baseline
▲ 0.50% · 4.625%
HK$75,264
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,992/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,442
−HK$2,313/mo
Today · 4.125%
HK$77,755
baseline
▲ 0.50% · 4.625%
HK$82,486
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,510/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,397
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,580
−HK$2,215/mo
Today · 4.125%
HK$85,795
baseline
▲ 0.50% · 4.625%
HK$90,317
+HK$4,522/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,590/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,361
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,016
−HK$2,698/mo
Today · 4.125%
HK$90,714
baseline
▲ 0.50% · 4.625%
HK$96,234
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,428/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,963
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,510
−HK$2,584/mo
Today · 4.125%
HK$100,094
baseline
▲ 0.50% · 4.625%
HK$105,370
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,188/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,750
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,164
−HK$3,468/mo
Today · 4.125%
HK$116,632
baseline
▲ 0.50% · 4.625%
HK$123,729
+HK$7,097/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,264/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,096
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,370
−HK$3,322/mo
Today · 4.125%
HK$128,692
baseline
▲ 0.50% · 4.625%
HK$135,476
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,384/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,415 · Scale 2, in force from 26 Feb 2026)