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$60,839
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,732
−HK$1,922/mo
Today · 4.125%
HK$64,654
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,934/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$129,308/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,683
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,498
−HK$1,842/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,100
+HK$3,760/mo
Deposit HK$13.34M · loan HK$13.34M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,278
−HK$2,307/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,721/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,220
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,398
−HK$2,210/mo
Today · 4.125%
HK$85,608
baseline
▲ 0.50% · 4.625%
HK$90,120
+HK$4,512/mo
Deposit HK$10.67M · loan HK$16.01M · min. income ≈ HK$171,216/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,824
−HK$2,692/mo
Today · 4.125%
HK$90,516
baseline
▲ 0.50% · 4.625%
HK$96,024
+HK$5,508/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$181,032/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,756
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,298
−HK$2,578/mo
Today · 4.125%
HK$99,876
baseline
▲ 0.50% · 4.625%
HK$105,140
+HK$5,264/mo
Deposit HK$8.00M · loan HK$18.68M · min. income ≈ HK$199,752/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,511
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,917
−HK$3,461/mo
Today · 4.125%
HK$116,378
baseline
▲ 0.50% · 4.625%
HK$123,459
+HK$7,081/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$232,756/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,830
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,097
−HK$3,315/mo
Today · 4.125%
HK$128,412
baseline
▲ 0.50% · 4.625%
HK$135,180
+HK$6,768/mo
Deposit HK$2.67M · loan HK$24.01M · min. income ≈ HK$256,824/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,938 · Scale 2, in force from 26 Feb 2026)