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$60,910
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,805
−HK$1,925/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,668
+HK$3,938/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,762
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,579
−HK$1,844/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$3,765/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,092
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$2,310/mo
Today · 4.125%
HK$77,676
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,726/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$155,352/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,314
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,495
−HK$2,212/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,225
+HK$4,518/mo
Deposit HK$10.68M · loan HK$16.03M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,274
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,927
−HK$2,694/mo
Today · 4.125%
HK$90,621
baseline
▲ 0.50% · 4.625%
HK$96,136
+HK$5,515/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$181,242/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,867
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,411
−HK$2,581/mo
Today · 4.125%
HK$99,992
baseline
▲ 0.50% · 4.625%
HK$105,263
+HK$5,271/mo
Deposit HK$8.01M · loan HK$18.70M · min. income ≈ HK$199,984/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,638
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,048
−HK$3,465/mo
Today · 4.125%
HK$116,513
baseline
▲ 0.50% · 4.625%
HK$123,603
+HK$7,090/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$233,026/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,971
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,242
−HK$3,319/mo
Today · 4.125%
HK$128,561
baseline
▲ 0.50% · 4.625%
HK$135,338
+HK$6,777/mo
Deposit HK$2.67M · loan HK$24.04M · min. income ≈ HK$257,122/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,257 · Scale 2, in force from 26 Feb 2026)