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$60,859
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,923/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,611
+HK$3,935/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,706
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,521
−HK$1,842/mo
Today · 4.125%
HK$71,363
baseline
▲ 0.50% · 4.625%
HK$75,125
+HK$3,762/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,726/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,031
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,303
−HK$2,308/mo
Today · 4.125%
HK$77,611
baseline
▲ 0.50% · 4.625%
HK$82,334
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,222/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,247
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,426
−HK$2,210/mo
Today · 4.125%
HK$85,636
baseline
▲ 0.50% · 4.625%
HK$90,150
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,272/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,203
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,854
−HK$2,692/mo
Today · 4.125%
HK$90,546
baseline
▲ 0.50% · 4.625%
HK$96,056
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,092/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,788
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,330
−HK$2,579/mo
Today · 4.125%
HK$99,909
baseline
▲ 0.50% · 4.625%
HK$105,175
+HK$5,266/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,818/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,547
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,955
−HK$3,462/mo
Today · 4.125%
HK$116,417
baseline
▲ 0.50% · 4.625%
HK$123,500
+HK$7,083/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,834/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,870
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,139
−HK$3,315/mo
Today · 4.125%
HK$128,454
baseline
▲ 0.50% · 4.625%
HK$135,225
+HK$6,771/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,908/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,315 · Scale 2, in force from 26 Feb 2026)