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$60,943
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,838
−HK$1,926/mo
Today · 4.125%
HK$64,764
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,941/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,528/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,798
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,616
−HK$1,845/mo
Today · 4.125%
HK$71,461
baseline
▲ 0.50% · 4.625%
HK$75,228
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,922/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,131
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,406
−HK$2,311/mo
Today · 4.125%
HK$77,717
baseline
▲ 0.50% · 4.625%
HK$82,446
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,434/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,358
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,540
−HK$2,213/mo
Today · 4.125%
HK$85,753
baseline
▲ 0.50% · 4.625%
HK$90,273
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,506/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,320
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,696/mo
Today · 4.125%
HK$90,670
baseline
▲ 0.50% · 4.625%
HK$96,187
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,340/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,917
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,463
−HK$2,582/mo
Today · 4.125%
HK$100,045
baseline
▲ 0.50% · 4.625%
HK$105,319
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,090/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,697
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,109
−HK$3,467/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$123,669
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,037
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,309
−HK$3,321/mo
Today · 4.125%
HK$128,630
baseline
▲ 0.50% · 4.625%
HK$135,410
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,260/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,865 · Scale 2, in force from 26 Feb 2026)