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$60,883
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,777
−HK$1,924/mo
Today · 4.125%
HK$64,701
baseline
▲ 0.50% · 4.625%
HK$68,637
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,402/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,731
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,548
−HK$1,843/mo
Today · 4.125%
HK$71,391
baseline
▲ 0.50% · 4.625%
HK$75,154
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,782/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,059
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,332
−HK$2,309/mo
Today · 4.125%
HK$77,641
baseline
▲ 0.50% · 4.625%
HK$82,365
+HK$4,724/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,282/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,278
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,458
−HK$2,211/mo
Today · 4.125%
HK$85,669
baseline
▲ 0.50% · 4.625%
HK$90,185
+HK$4,516/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,338/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,236
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,887
−HK$2,694/mo
Today · 4.125%
HK$90,581
baseline
▲ 0.50% · 4.625%
HK$96,092
+HK$5,511/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,162/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,824
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,367
−HK$2,580/mo
Today · 4.125%
HK$99,947
baseline
▲ 0.50% · 4.625%
HK$105,215
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,894/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,589
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,998
−HK$3,463/mo
Today · 4.125%
HK$116,461
baseline
▲ 0.50% · 4.625%
HK$123,547
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,922/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,917
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,186
−HK$3,317/mo
Today · 4.125%
HK$128,503
baseline
▲ 0.50% · 4.625%
HK$135,277
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,006/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,748 · Scale 2, in force from 26 Feb 2026)