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$60,913
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,808
−HK$1,925/mo
Today · 4.125%
HK$64,733
baseline
▲ 0.50% · 4.625%
HK$68,672
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,466/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,765
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,583
−HK$1,843/mo
Today · 4.125%
HK$71,426
baseline
▲ 0.50% · 4.625%
HK$75,191
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,852/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,096
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$2,310/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$82,406
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,318
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,213/mo
Today · 4.125%
HK$85,712
baseline
▲ 0.50% · 4.625%
HK$90,230
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,424/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,278
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,931
−HK$2,695/mo
Today · 4.125%
HK$90,626
baseline
▲ 0.50% · 4.625%
HK$96,140
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,252/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,871
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,416
−HK$2,581/mo
Today · 4.125%
HK$99,997
baseline
▲ 0.50% · 4.625%
HK$105,268
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,994/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,644
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,054
−HK$3,465/mo
Today · 4.125%
HK$116,519
baseline
▲ 0.50% · 4.625%
HK$123,609
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,038/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,977
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,249
−HK$3,318/mo
Today · 4.125%
HK$128,567
baseline
▲ 0.50% · 4.625%
HK$135,344
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,134/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,314 · Scale 2, in force from 26 Feb 2026)