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$60,840
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,733
−HK$1,922/mo
Today · 4.125%
HK$64,655
baseline
▲ 0.50% · 4.625%
HK$68,589
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,310/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,684
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,499
−HK$1,842/mo
Today · 4.125%
HK$71,341
baseline
▲ 0.50% · 4.625%
HK$75,101
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,682/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,008
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,279
−HK$2,307/mo
Today · 4.125%
HK$77,586
baseline
▲ 0.50% · 4.625%
HK$82,307
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,172/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,221
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,399
−HK$2,210/mo
Today · 4.125%
HK$85,609
baseline
▲ 0.50% · 4.625%
HK$90,121
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,218/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,176
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,826
−HK$2,691/mo
Today · 4.125%
HK$90,517
baseline
▲ 0.50% · 4.625%
HK$96,025
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,034/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,758
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,299
−HK$2,578/mo
Today · 4.125%
HK$99,877
baseline
▲ 0.50% · 4.625%
HK$105,142
+HK$5,265/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,754/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,512
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,919
−HK$3,461/mo
Today · 4.125%
HK$116,380
baseline
▲ 0.50% · 4.625%
HK$123,461
+HK$7,081/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,760/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,831
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,099
−HK$3,314/mo
Today · 4.125%
HK$128,413
baseline
▲ 0.50% · 4.625%
HK$135,182
+HK$6,769/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,826/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,953 · Scale 2, in force from 26 Feb 2026)