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$60,788
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,679
−HK$1,921/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,531
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,626
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,440
−HK$1,840/mo
Today · 4.125%
HK$71,280
baseline
▲ 0.50% · 4.625%
HK$75,037
+HK$3,757/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,560/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,946
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,215
−HK$2,305/mo
Today · 4.125%
HK$77,520
baseline
▲ 0.50% · 4.625%
HK$82,237
+HK$4,717/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$155,040/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,151
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,328
−HK$2,208/mo
Today · 4.125%
HK$85,536
baseline
▲ 0.50% · 4.625%
HK$90,044
+HK$4,508/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$171,072/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,103
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,751
−HK$2,689/mo
Today · 4.125%
HK$90,440
baseline
▲ 0.50% · 4.625%
HK$95,943
+HK$5,503/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,880/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,677
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,216
−HK$2,576/mo
Today · 4.125%
HK$99,792
baseline
▲ 0.50% · 4.625%
HK$105,052
+HK$5,260/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,584/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,419
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$112,822
−HK$3,458/mo
Today · 4.125%
HK$116,280
baseline
▲ 0.50% · 4.625%
HK$123,355
+HK$7,075/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,560/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,727
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$124,992
−HK$3,312/mo
Today · 4.125%
HK$128,304
baseline
▲ 0.50% · 4.625%
HK$135,067
+HK$6,763/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,608/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,984 · Scale 2, in force from 26 Feb 2026)