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$60,816
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,708
−HK$1,922/mo
Today · 4.125%
HK$64,630
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,933/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,260/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,657
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,472
−HK$1,841/mo
Today · 4.125%
HK$71,313
baseline
▲ 0.50% · 4.625%
HK$75,072
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,626/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,979
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,250
−HK$2,306/mo
Today · 4.125%
HK$77,556
baseline
▲ 0.50% · 4.625%
HK$82,275
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,112/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,189
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,366
−HK$2,209/mo
Today · 4.125%
HK$85,575
baseline
▲ 0.50% · 4.625%
HK$90,086
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,150/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,143
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,791
−HK$2,691/mo
Today · 4.125%
HK$90,482
baseline
▲ 0.50% · 4.625%
HK$95,988
+HK$5,506/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,964/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,720
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,261
−HK$2,577/mo
Today · 4.125%
HK$99,838
baseline
▲ 0.50% · 4.625%
HK$105,100
+HK$5,262/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,676/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,469
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,874
−HK$3,460/mo
Today · 4.125%
HK$116,334
baseline
▲ 0.50% · 4.625%
HK$123,413
+HK$7,079/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,668/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,783
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,050
−HK$3,313/mo
Today · 4.125%
HK$128,363
baseline
▲ 0.50% · 4.625%
HK$135,129
+HK$6,766/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,726/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,509 · Scale 2, in force from 26 Feb 2026)