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$60,947
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,843
−HK$1,926/mo
Today · 4.125%
HK$64,769
baseline
▲ 0.50% · 4.625%
HK$68,710
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,538/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,803
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,621
−HK$1,845/mo
Today · 4.125%
HK$71,466
baseline
▲ 0.50% · 4.625%
HK$75,233
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,932/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,136
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,411
−HK$2,311/mo
Today · 4.125%
HK$77,722
baseline
▲ 0.50% · 4.625%
HK$82,452
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,444/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,363
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,545
−HK$2,214/mo
Today · 4.125%
HK$85,759
baseline
▲ 0.50% · 4.625%
HK$90,279
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,518/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,325
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,980
−HK$2,696/mo
Today · 4.125%
HK$90,676
baseline
▲ 0.50% · 4.625%
HK$96,194
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,352/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,924
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,470
−HK$2,582/mo
Today · 4.125%
HK$100,052
baseline
▲ 0.50% · 4.625%
HK$105,326
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,104/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,704
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,117
−HK$3,467/mo
Today · 4.125%
HK$116,584
baseline
▲ 0.50% · 4.625%
HK$123,677
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,168/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,045
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,318
−HK$3,321/mo
Today · 4.125%
HK$128,639
baseline
▲ 0.50% · 4.625%
HK$135,419
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,278/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,942 · Scale 2, in force from 26 Feb 2026)