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$60,921
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,925/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,939/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$1,844/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,201
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,105
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,379
−HK$2,310/mo
Today · 4.125%
HK$77,689
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,378/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,328
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,509
−HK$2,213/mo
Today · 4.125%
HK$85,722
baseline
▲ 0.50% · 4.625%
HK$90,241
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,444/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,289
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,942
−HK$2,695/mo
Today · 4.125%
HK$90,637
baseline
▲ 0.50% · 4.625%
HK$96,152
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,274/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,883
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,428
−HK$2,581/mo
Today · 4.125%
HK$100,009
baseline
▲ 0.50% · 4.625%
HK$105,281
+HK$5,272/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,018/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,657
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,068
−HK$3,466/mo
Today · 4.125%
HK$116,534
baseline
▲ 0.50% · 4.625%
HK$123,624
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,068/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,992
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,264
−HK$3,319/mo
Today · 4.125%
HK$128,583
baseline
▲ 0.50% · 4.625%
HK$135,361
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,166/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,454 · Scale 2, in force from 26 Feb 2026)