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$60,877
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,770
−HK$1,924/mo
Today · 4.125%
HK$64,694
baseline
▲ 0.50% · 4.625%
HK$68,631
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,388/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,725
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,541
−HK$1,843/mo
Today · 4.125%
HK$71,384
baseline
▲ 0.50% · 4.625%
HK$75,147
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,768/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,052
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$2,308/mo
Today · 4.125%
HK$77,633
baseline
▲ 0.50% · 4.625%
HK$82,357
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,266/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,270
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,450
−HK$2,211/mo
Today · 4.125%
HK$85,661
baseline
▲ 0.50% · 4.625%
HK$90,176
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,322/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,228
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,879
−HK$2,693/mo
Today · 4.125%
HK$90,572
baseline
▲ 0.50% · 4.625%
HK$96,083
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,144/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,815
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,358
−HK$2,579/mo
Today · 4.125%
HK$99,937
baseline
▲ 0.50% · 4.625%
HK$105,205
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,874/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,578
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,987
−HK$3,463/mo
Today · 4.125%
HK$116,450
baseline
▲ 0.50% · 4.625%
HK$123,536
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,900/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,905
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,174
−HK$3,317/mo
Today · 4.125%
HK$128,491
baseline
▲ 0.50% · 4.625%
HK$135,264
+HK$6,773/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,982/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,639 · Scale 2, in force from 26 Feb 2026)