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$70,229
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,413
−HK$2,220/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,129
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,224
−HK$2,126/mo
Today · 4.125%
HK$82,350
baseline
▲ 0.50% · 4.625%
HK$86,690
+HK$4,340/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,700/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,274
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,663/mo
Today · 4.125%
HK$89,559
baseline
▲ 0.50% · 4.625%
HK$95,009
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,118/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,754
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,269
−HK$2,551/mo
Today · 4.125%
HK$98,820
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,640/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,320
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,378
−HK$3,108/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$110,843
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,380
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,314
−HK$2,976/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$121,367
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,412
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,344
−HK$3,995/mo
Today · 4.125%
HK$134,339
baseline
▲ 0.50% · 4.625%
HK$142,513
+HK$8,174/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,678/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,632
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,403
−HK$3,826/mo
Today · 4.125%
HK$148,229
baseline
▲ 0.50% · 4.625%
HK$156,043
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,458/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,940 · Scale 2, in force from 26 Feb 2026)