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$60,920
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,925/mo
Today · 4.125%
HK$64,740
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,480/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,773
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$1,844/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,104
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,378
−HK$2,311/mo
Today · 4.125%
HK$77,689
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,727/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$155,378/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,328
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,509
−HK$2,213/mo
Today · 4.125%
HK$85,722
baseline
▲ 0.50% · 4.625%
HK$90,240
+HK$4,518/mo
Deposit HK$10.69M · loan HK$16.03M · min. income ≈ HK$171,444/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,288
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,941
−HK$2,696/mo
Today · 4.125%
HK$90,637
baseline
▲ 0.50% · 4.625%
HK$96,152
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,274/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,882
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,427
−HK$2,582/mo
Today · 4.125%
HK$100,009
baseline
▲ 0.50% · 4.625%
HK$105,280
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$200,018/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,656
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,067
−HK$3,466/mo
Today · 4.125%
HK$116,533
baseline
▲ 0.50% · 4.625%
HK$123,624
+HK$7,091/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,066/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,992
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,263
−HK$3,319/mo
Today · 4.125%
HK$128,582
baseline
▲ 0.50% · 4.625%
HK$135,360
+HK$6,778/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,164/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,447 · Scale 2, in force from 26 Feb 2026)