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$60,819
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,711
−HK$1,922/mo
Today · 4.125%
HK$64,633
baseline
▲ 0.50% · 4.625%
HK$68,565
+HK$3,932/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,266/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,660
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,475
−HK$1,841/mo
Today · 4.125%
HK$71,316
baseline
▲ 0.50% · 4.625%
HK$75,075
+HK$3,759/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,632/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,982
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,253
−HK$2,306/mo
Today · 4.125%
HK$77,559
baseline
▲ 0.50% · 4.625%
HK$82,278
+HK$4,719/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,118/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,192
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,370
−HK$2,209/mo
Today · 4.125%
HK$85,579
baseline
▲ 0.50% · 4.625%
HK$90,090
+HK$4,511/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,158/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,146
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,795
−HK$2,691/mo
Today · 4.125%
HK$90,486
baseline
▲ 0.50% · 4.625%
HK$95,991
+HK$5,505/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$180,972/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,724
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,265
−HK$2,577/mo
Today · 4.125%
HK$99,842
baseline
▲ 0.50% · 4.625%
HK$105,105
+HK$5,263/mo
Deposit HK$8.00M · loan HK$18.67M · min. income ≈ HK$199,684/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,474
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,879
−HK$3,460/mo
Today · 4.125%
HK$116,339
baseline
▲ 0.50% · 4.625%
HK$123,418
+HK$7,079/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,678/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,788
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,055
−HK$3,313/mo
Today · 4.125%
HK$128,368
baseline
▲ 0.50% · 4.625%
HK$135,135
+HK$6,767/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,736/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,555 · Scale 2, in force from 26 Feb 2026)