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$60,792
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,683
−HK$1,921/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,630
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,444
−HK$1,840/mo
Today · 4.125%
HK$71,284
baseline
▲ 0.50% · 4.625%
HK$75,042
+HK$3,758/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,568/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,950
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$2,305/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$82,242
+HK$4,717/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,333
−HK$2,208/mo
Today · 4.125%
HK$85,541
baseline
▲ 0.50% · 4.625%
HK$90,050
+HK$4,509/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$171,082/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,109
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,756
−HK$2,690/mo
Today · 4.125%
HK$90,446
baseline
▲ 0.50% · 4.625%
HK$95,949
+HK$5,503/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,892/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,683
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,222
−HK$2,576/mo
Today · 4.125%
HK$99,798
baseline
▲ 0.50% · 4.625%
HK$105,059
+HK$5,261/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,596/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,426
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,829
−HK$3,459/mo
Today · 4.125%
HK$116,288
baseline
▲ 0.50% · 4.625%
HK$123,363
+HK$7,075/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,576/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,735
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,000
−HK$3,312/mo
Today · 4.125%
HK$128,312
baseline
▲ 0.50% · 4.625%
HK$135,075
+HK$6,763/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,624/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,057 · Scale 2, in force from 26 Feb 2026)