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$60,863
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,924/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,615
+HK$3,935/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,709
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,525
−HK$1,843/mo
Today · 4.125%
HK$71,368
baseline
▲ 0.50% · 4.625%
HK$75,129
+HK$3,761/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,736/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,036
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,307
−HK$2,309/mo
Today · 4.125%
HK$77,616
baseline
▲ 0.50% · 4.625%
HK$82,338
+HK$4,722/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$155,232/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,251
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,430
−HK$2,211/mo
Today · 4.125%
HK$85,641
baseline
▲ 0.50% · 4.625%
HK$90,155
+HK$4,514/mo
Deposit HK$10.68M · loan HK$16.01M · min. income ≈ HK$171,282/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,208
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,859
−HK$2,692/mo
Today · 4.125%
HK$90,551
baseline
▲ 0.50% · 4.625%
HK$96,061
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$181,102/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,793
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,336
−HK$2,579/mo
Today · 4.125%
HK$99,915
baseline
▲ 0.50% · 4.625%
HK$105,181
+HK$5,266/mo
Deposit HK$8.01M · loan HK$18.68M · min. income ≈ HK$199,830/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,553
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,961
−HK$3,462/mo
Today · 4.125%
HK$116,423
baseline
▲ 0.50% · 4.625%
HK$123,507
+HK$7,084/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$232,846/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,877
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,146
−HK$3,316/mo
Today · 4.125%
HK$128,462
baseline
▲ 0.50% · 4.625%
HK$135,233
+HK$6,771/mo
Deposit HK$2.67M · loan HK$24.02M · min. income ≈ HK$256,924/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,380 · Scale 2, in force from 26 Feb 2026)