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$60,890
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,784
−HK$1,924/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,645
+HK$3,937/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,556
−HK$1,843/mo
Today · 4.125%
HK$71,399
baseline
▲ 0.50% · 4.625%
HK$75,162
+HK$3,763/mo
Deposit HK$13.35M · loan HK$13.35M · min. income ≈ HK$142,798/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,067
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,340
−HK$2,309/mo
Today · 4.125%
HK$77,649
baseline
▲ 0.50% · 4.625%
HK$82,374
+HK$4,725/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$155,298/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,287
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,467
−HK$2,211/mo
Today · 4.125%
HK$85,678
baseline
▲ 0.50% · 4.625%
HK$90,195
+HK$4,517/mo
Deposit HK$10.68M · loan HK$16.02M · min. income ≈ HK$171,356/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,245
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,897
−HK$2,694/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$96,103
+HK$5,512/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,835
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,378
−HK$2,580/mo
Today · 4.125%
HK$99,958
baseline
▲ 0.50% · 4.625%
HK$105,227
+HK$5,269/mo
Deposit HK$8.01M · loan HK$18.69M · min. income ≈ HK$199,916/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,601
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,010
−HK$3,464/mo
Today · 4.125%
HK$116,474
baseline
▲ 0.50% · 4.625%
HK$123,561
+HK$7,087/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$232,948/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,930
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,200
−HK$3,318/mo
Today · 4.125%
HK$128,518
baseline
▲ 0.50% · 4.625%
HK$135,292
+HK$6,774/mo
Deposit HK$2.67M · loan HK$24.03M · min. income ≈ HK$257,036/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,134,875 · Scale 2, in force from 26 Feb 2026)