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$60,200
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,072
−HK$1,903/mo
Today · 4.125%
HK$63,975
baseline
▲ 0.50% · 4.625%
HK$67,868
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,950/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,972
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,768
−HK$1,822/mo
Today · 4.125%
HK$70,590
baseline
▲ 0.50% · 4.625%
HK$74,311
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,180/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,240
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,487
−HK$2,283/mo
Today · 4.125%
HK$76,770
baseline
▲ 0.50% · 4.625%
HK$81,441
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,540/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,366
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,522
−HK$2,186/mo
Today · 4.125%
HK$84,708
baseline
▲ 0.50% · 4.625%
HK$89,173
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,416/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,280
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,901
−HK$2,664/mo
Today · 4.125%
HK$89,565
baseline
▲ 0.50% · 4.625%
HK$95,015
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,130/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,761
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,275
−HK$2,551/mo
Today · 4.125%
HK$98,826
baseline
▲ 0.50% · 4.625%
HK$104,035
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,652/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,360
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,730
−HK$3,425/mo
Today · 4.125%
HK$115,155
baseline
▲ 0.50% · 4.625%
HK$122,162
+HK$7,007/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,310/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,549
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,782
−HK$3,280/mo
Today · 4.125%
HK$127,062
baseline
▲ 0.50% · 4.625%
HK$133,760
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,124/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,022 · Scale 2, in force from 26 Feb 2026)