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$60,996
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,927/mo
Today · 4.125%
HK$64,821
baseline
▲ 0.50% · 4.625%
HK$68,765
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,642/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,858
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,678
−HK$1,846/mo
Today · 4.125%
HK$71,524
baseline
▲ 0.50% · 4.625%
HK$75,294
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,048/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,195
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,472
−HK$2,313/mo
Today · 4.125%
HK$77,785
baseline
▲ 0.50% · 4.625%
HK$82,519
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,570/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,429
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,613
−HK$2,216/mo
Today · 4.125%
HK$85,829
baseline
▲ 0.50% · 4.625%
HK$90,353
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,658/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,395
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,051
−HK$2,699/mo
Today · 4.125%
HK$90,750
baseline
▲ 0.50% · 4.625%
HK$96,272
+HK$5,522/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,500/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,001
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,549
−HK$2,584/mo
Today · 4.125%
HK$100,133
baseline
▲ 0.50% · 4.625%
HK$105,412
+HK$5,279/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,266/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,793
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,208
−HK$3,470/mo
Today · 4.125%
HK$116,678
baseline
▲ 0.50% · 4.625%
HK$123,778
+HK$7,100/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,356/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,144
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,420
−HK$3,323/mo
Today · 4.125%
HK$128,743
baseline
▲ 0.50% · 4.625%
HK$135,529
+HK$6,786/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,486/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,864 · Scale 2, in force from 26 Feb 2026)