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$60,844
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,737
−HK$1,923/mo
Today · 4.125%
HK$64,660
baseline
▲ 0.50% · 4.625%
HK$68,594
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,320/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,689
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,504
−HK$1,842/mo
Today · 4.125%
HK$71,346
baseline
▲ 0.50% · 4.625%
HK$75,106
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,692/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,013
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,284
−HK$2,308/mo
Today · 4.125%
HK$77,592
baseline
▲ 0.50% · 4.625%
HK$82,313
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,184/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,226
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,405
−HK$2,210/mo
Today · 4.125%
HK$85,615
baseline
▲ 0.50% · 4.625%
HK$90,128
+HK$4,513/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,230/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,182
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,832
−HK$2,692/mo
Today · 4.125%
HK$90,524
baseline
▲ 0.50% · 4.625%
HK$96,032
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,048/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,764
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,306
−HK$2,578/mo
Today · 4.125%
HK$99,884
baseline
▲ 0.50% · 4.625%
HK$105,149
+HK$5,265/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,768/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,520
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,926
−HK$3,462/mo
Today · 4.125%
HK$116,388
baseline
▲ 0.50% · 4.625%
HK$123,469
+HK$7,081/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,776/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,840
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,107
−HK$3,315/mo
Today · 4.125%
HK$128,422
baseline
▲ 0.50% · 4.625%
HK$135,191
+HK$6,769/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,844/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,134,031 · Scale 2, in force from 26 Feb 2026)