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$60,890
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,784
−HK$1,925/mo
Today · 4.125%
HK$64,709
baseline
▲ 0.50% · 4.625%
HK$68,646
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,418/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,740
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,557
−HK$1,843/mo
Today · 4.125%
HK$71,400
baseline
▲ 0.50% · 4.625%
HK$75,163
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,800/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,068
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,341
−HK$2,309/mo
Today · 4.125%
HK$77,650
baseline
▲ 0.50% · 4.625%
HK$82,375
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,300/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,288
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,468
−HK$2,211/mo
Today · 4.125%
HK$85,679
baseline
▲ 0.50% · 4.625%
HK$90,196
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,358/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,246
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,898
−HK$2,694/mo
Today · 4.125%
HK$90,592
baseline
▲ 0.50% · 4.625%
HK$96,104
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,184/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,836
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,379
−HK$2,580/mo
Today · 4.125%
HK$99,959
baseline
▲ 0.50% · 4.625%
HK$105,228
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,918/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,602
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,012
−HK$3,463/mo
Today · 4.125%
HK$116,475
baseline
▲ 0.50% · 4.625%
HK$123,563
+HK$7,088/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,950/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,932
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,202
−HK$3,317/mo
Today · 4.125%
HK$128,519
baseline
▲ 0.50% · 4.625%
HK$135,294
+HK$6,775/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,038/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,888 · Scale 2, in force from 26 Feb 2026)