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$60,918
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,925/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,771
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,589
−HK$1,844/mo
Today · 4.125%
HK$71,433
baseline
▲ 0.50% · 4.625%
HK$75,198
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,866/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,102
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,376
−HK$2,310/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$82,413
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,325
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,506
−HK$2,213/mo
Today · 4.125%
HK$85,719
baseline
▲ 0.50% · 4.625%
HK$90,237
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,438/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,286
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,939
−HK$2,695/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$96,149
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,424
−HK$2,582/mo
Today · 4.125%
HK$100,006
baseline
▲ 0.50% · 4.625%
HK$105,277
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,012/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,653
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,064
−HK$3,465/mo
Today · 4.125%
HK$116,529
baseline
▲ 0.50% · 4.625%
HK$123,620
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,058/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,988
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,260
−HK$3,319/mo
Today · 4.125%
HK$128,579
baseline
▲ 0.50% · 4.625%
HK$135,356
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,158/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,412 · Scale 2, in force from 26 Feb 2026)