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$60,872
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,766
−HK$1,924/mo
Today · 4.125%
HK$64,690
baseline
▲ 0.50% · 4.625%
HK$68,626
+HK$3,936/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,380/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,720
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,536
−HK$1,843/mo
Today · 4.125%
HK$71,379
baseline
▲ 0.50% · 4.625%
HK$75,141
+HK$3,762/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,758/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,047
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$2,309/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$82,351
+HK$4,723/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,264
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,443
−HK$2,211/mo
Today · 4.125%
HK$85,654
baseline
▲ 0.50% · 4.625%
HK$90,169
+HK$4,515/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,308/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,221
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,872
−HK$2,694/mo
Today · 4.125%
HK$90,566
baseline
▲ 0.50% · 4.625%
HK$96,076
+HK$5,510/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,132/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,808
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,351
−HK$2,579/mo
Today · 4.125%
HK$99,930
baseline
▲ 0.50% · 4.625%
HK$105,198
+HK$5,268/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,860/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,570
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,979
−HK$3,462/mo
Today · 4.125%
HK$116,441
baseline
▲ 0.50% · 4.625%
HK$123,527
+HK$7,086/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,882/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,896
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,165
−HK$3,317/mo
Today · 4.125%
HK$128,482
baseline
▲ 0.50% · 4.625%
HK$135,254
+HK$6,772/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$256,964/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,556 · Scale 2, in force from 26 Feb 2026)