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$58,739
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,566
−HK$1,856/mo
Today · 4.125%
HK$62,422
baseline
▲ 0.50% · 4.625%
HK$66,220
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,844/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,346
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,099
−HK$1,778/mo
Today · 4.125%
HK$68,877
baseline
▲ 0.50% · 4.625%
HK$72,507
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,754/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,486
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,679
−HK$2,227/mo
Today · 4.125%
HK$74,906
baseline
▲ 0.50% · 4.625%
HK$79,464
+HK$4,558/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$149,812/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,415
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,518
−HK$2,134/mo
Today · 4.125%
HK$82,652
baseline
▲ 0.50% · 4.625%
HK$87,009
+HK$4,357/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$165,304/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,234
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,792
−HK$2,599/mo
Today · 4.125%
HK$87,391
baseline
▲ 0.50% · 4.625%
HK$92,708
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,782/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,485
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,938
−HK$2,489/mo
Today · 4.125%
HK$96,427
baseline
▲ 0.50% · 4.625%
HK$101,510
+HK$5,083/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,854/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,730
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,018
−HK$3,342/mo
Today · 4.125%
HK$112,360
baseline
▲ 0.50% · 4.625%
HK$119,197
+HK$6,837/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,720/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,623
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,778
−HK$3,200/mo
Today · 4.125%
HK$123,978
baseline
▲ 0.50% · 4.625%
HK$130,513
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,956/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,786 · Scale 2, in force from 26 Feb 2026)