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$60,899
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,925/mo
Today · 4.125%
HK$64,718
baseline
▲ 0.50% · 4.625%
HK$68,655
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,436/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,749
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,566
−HK$1,843/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,174
+HK$3,765/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,352
−HK$2,309/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$82,387
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,479
−HK$2,212/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,208
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,258
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,910
−HK$2,695/mo
Today · 4.125%
HK$90,605
baseline
▲ 0.50% · 4.625%
HK$96,118
+HK$5,513/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,210/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,849
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,393
−HK$2,580/mo
Today · 4.125%
HK$99,973
baseline
▲ 0.50% · 4.625%
HK$105,243
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,946/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,618
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,027
−HK$3,465/mo
Today · 4.125%
HK$116,492
baseline
▲ 0.50% · 4.625%
HK$123,580
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$232,984/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,948
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,219
−HK$3,318/mo
Today · 4.125%
HK$128,537
baseline
▲ 0.50% · 4.625%
HK$135,312
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,074/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,045 · Scale 2, in force from 26 Feb 2026)