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$60,814
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,922/mo
Today · 4.125%
HK$64,628
baseline
▲ 0.50% · 4.625%
HK$68,560
+HK$3,932/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,256/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,655
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,470
−HK$1,840/mo
Today · 4.125%
HK$71,310
baseline
▲ 0.50% · 4.625%
HK$75,069
+HK$3,759/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,620/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,977
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,247
−HK$2,306/mo
Today · 4.125%
HK$77,553
baseline
▲ 0.50% · 4.625%
HK$82,272
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,106/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,186
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,363
−HK$2,209/mo
Today · 4.125%
HK$85,572
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,144/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,140
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,788
−HK$2,691/mo
Today · 4.125%
HK$90,479
baseline
▲ 0.50% · 4.625%
HK$95,984
+HK$5,505/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,958/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,717
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,257
−HK$2,577/mo
Today · 4.125%
HK$99,834
baseline
▲ 0.50% · 4.625%
HK$105,097
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,668/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,465
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,870
−HK$3,460/mo
Today · 4.125%
HK$116,330
baseline
▲ 0.50% · 4.625%
HK$123,408
+HK$7,078/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,660/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,779
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,045
−HK$3,314/mo
Today · 4.125%
HK$128,359
baseline
▲ 0.50% · 4.625%
HK$135,124
+HK$6,765/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,718/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,470 · Scale 2, in force from 26 Feb 2026)