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$60,937
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,832
−HK$1,926/mo
Today · 4.125%
HK$64,758
baseline
▲ 0.50% · 4.625%
HK$68,699
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,516/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,792
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,610
−HK$1,844/mo
Today · 4.125%
HK$71,454
baseline
▲ 0.50% · 4.625%
HK$75,221
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,908/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,124
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$2,311/mo
Today · 4.125%
HK$77,710
baseline
▲ 0.50% · 4.625%
HK$82,438
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,420/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,213/mo
Today · 4.125%
HK$85,745
baseline
▲ 0.50% · 4.625%
HK$90,265
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,490/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,312
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,965
−HK$2,696/mo
Today · 4.125%
HK$90,661
baseline
▲ 0.50% · 4.625%
HK$96,178
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,322/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,908
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,454
−HK$2,582/mo
Today · 4.125%
HK$100,036
baseline
▲ 0.50% · 4.625%
HK$105,309
+HK$5,273/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,072/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,686
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,098
−HK$3,467/mo
Today · 4.125%
HK$116,565
baseline
▲ 0.50% · 4.625%
HK$123,657
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,130/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,025
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,298
−HK$3,320/mo
Today · 4.125%
HK$128,618
baseline
▲ 0.50% · 4.625%
HK$135,397
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,236/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,758 · Scale 2, in force from 26 Feb 2026)