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$60,933
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,828
−HK$1,926/mo
Today · 4.125%
HK$64,754
baseline
▲ 0.50% · 4.625%
HK$68,694
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,508/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,787
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,605
−HK$1,845/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,216
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,120
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,394
−HK$2,311/mo
Today · 4.125%
HK$77,705
baseline
▲ 0.50% · 4.625%
HK$82,433
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,410/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,345
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,526
−HK$2,214/mo
Today · 4.125%
HK$85,740
baseline
▲ 0.50% · 4.625%
HK$90,259
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,480/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,306
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,960
−HK$2,696/mo
Today · 4.125%
HK$90,656
baseline
▲ 0.50% · 4.625%
HK$96,172
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,312/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,902
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,447
−HK$2,583/mo
Today · 4.125%
HK$100,030
baseline
▲ 0.50% · 4.625%
HK$105,302
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,060/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,679
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,091
−HK$3,466/mo
Today · 4.125%
HK$116,557
baseline
▲ 0.50% · 4.625%
HK$123,649
+HK$7,092/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,114/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,017
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,290
−HK$3,319/mo
Today · 4.125%
HK$128,609
baseline
▲ 0.50% · 4.625%
HK$135,389
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,218/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,685 · Scale 2, in force from 26 Feb 2026)