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$60,929
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,925/mo
Today · 4.125%
HK$64,750
baseline
▲ 0.50% · 4.625%
HK$68,690
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,500/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,783
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,601
−HK$1,845/mo
Today · 4.125%
HK$71,446
baseline
▲ 0.50% · 4.625%
HK$75,212
+HK$3,766/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,892/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,115
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$2,310/mo
Today · 4.125%
HK$77,700
baseline
▲ 0.50% · 4.625%
HK$82,428
+HK$4,728/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,400/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,340
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,213/mo
Today · 4.125%
HK$85,735
baseline
▲ 0.50% · 4.625%
HK$90,254
+HK$4,519/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,470/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,301
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,695/mo
Today · 4.125%
HK$90,650
baseline
▲ 0.50% · 4.625%
HK$96,166
+HK$5,516/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$181,300/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,897
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,442
−HK$2,582/mo
Today · 4.125%
HK$100,024
baseline
▲ 0.50% · 4.625%
HK$105,296
+HK$5,272/mo
Deposit HK$8.02M · loan HK$18.70M · min. income ≈ HK$200,048/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,673
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,085
−HK$3,466/mo
Today · 4.125%
HK$116,551
baseline
▲ 0.50% · 4.625%
HK$123,642
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,102/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,010
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,282
−HK$3,320/mo
Today · 4.125%
HK$128,602
baseline
▲ 0.50% · 4.625%
HK$135,381
+HK$6,779/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,204/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,620 · Scale 2, in force from 26 Feb 2026)