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$60,801
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,693
−HK$1,921/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,546
+HK$3,932/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,641
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,455
−HK$1,840/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,053
+HK$3,758/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,962
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,231
−HK$2,306/mo
Today · 4.125%
HK$77,537
baseline
▲ 0.50% · 4.625%
HK$82,255
+HK$4,718/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,074/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,346
−HK$2,208/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$4,510/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,108/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,122
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,770
−HK$2,690/mo
Today · 4.125%
HK$90,460
baseline
▲ 0.50% · 4.625%
HK$95,964
+HK$5,504/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,920/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,697
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,237
−HK$2,576/mo
Today · 4.125%
HK$99,813
baseline
▲ 0.50% · 4.625%
HK$105,075
+HK$5,262/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,626/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,442
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$112,847
−HK$3,458/mo
Today · 4.125%
HK$116,305
baseline
▲ 0.50% · 4.625%
HK$123,382
+HK$7,077/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,610/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,753
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,019
−HK$3,312/mo
Today · 4.125%
HK$128,331
baseline
▲ 0.50% · 4.625%
HK$135,096
+HK$6,765/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,662/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,230 · Scale 2, in force from 26 Feb 2026)