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$60,795
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,686
−HK$1,921/mo
Today · 4.125%
HK$64,607
baseline
▲ 0.50% · 4.625%
HK$68,539
+HK$3,932/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,214/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,634
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,448
−HK$1,840/mo
Today · 4.125%
HK$71,288
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$3,758/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,576/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,954
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,223
−HK$2,306/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$82,246
+HK$4,717/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$155,058/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,337
−HK$2,209/mo
Today · 4.125%
HK$85,546
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$4,509/mo
Deposit HK$10.66M · loan HK$16.00M · min. income ≈ HK$171,092/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,113
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,761
−HK$2,689/mo
Today · 4.125%
HK$90,450
baseline
▲ 0.50% · 4.625%
HK$95,954
+HK$5,504/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,900/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,687
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,227
−HK$2,576/mo
Today · 4.125%
HK$99,803
baseline
▲ 0.50% · 4.625%
HK$105,064
+HK$5,261/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,606/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,431
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,835
−HK$3,458/mo
Today · 4.125%
HK$116,293
baseline
▲ 0.50% · 4.625%
HK$123,370
+HK$7,077/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,586/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,741
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,006
−HK$3,312/mo
Today · 4.125%
HK$128,318
baseline
▲ 0.50% · 4.625%
HK$135,082
+HK$6,764/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,636/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,115 · Scale 2, in force from 26 Feb 2026)