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$60,907
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,802
−HK$1,925/mo
Today · 4.125%
HK$64,727
baseline
▲ 0.50% · 4.625%
HK$68,665
+HK$3,938/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,454/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,759
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,576
−HK$1,844/mo
Today · 4.125%
HK$71,420
baseline
▲ 0.50% · 4.625%
HK$75,184
+HK$3,764/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,840/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,089
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,362
−HK$2,310/mo
Today · 4.125%
HK$77,672
baseline
▲ 0.50% · 4.625%
HK$82,398
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,344/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,311
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,491
−HK$2,213/mo
Today · 4.125%
HK$85,704
baseline
▲ 0.50% · 4.625%
HK$90,221
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,408/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,270
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,923
−HK$2,695/mo
Today · 4.125%
HK$90,618
baseline
▲ 0.50% · 4.625%
HK$96,132
+HK$5,514/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,236/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,863
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,407
−HK$2,581/mo
Today · 4.125%
HK$99,988
baseline
▲ 0.50% · 4.625%
HK$105,258
+HK$5,270/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,976/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,633
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,044
−HK$3,464/mo
Today · 4.125%
HK$116,508
baseline
▲ 0.50% · 4.625%
HK$123,598
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,016/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,966
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,237
−HK$3,319/mo
Today · 4.125%
HK$128,556
baseline
▲ 0.50% · 4.625%
HK$135,332
+HK$6,776/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,112/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,209 · Scale 2, in force from 26 Feb 2026)