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$71,890
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,126
−HK$2,272/mo
Today · 4.125%
HK$76,398
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,796/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,977
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,122
−HK$2,176/mo
Today · 4.125%
HK$84,298
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,596/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,268
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,951
−HK$2,726/mo
Today · 4.125%
HK$91,677
baseline
▲ 0.50% · 4.625%
HK$97,256
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,354/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,972
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,546
−HK$2,611/mo
Today · 4.125%
HK$101,157
baseline
▲ 0.50% · 4.625%
HK$106,489
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,314/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,646
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,776
−HK$3,181/mo
Today · 4.125%
HK$106,957
baseline
▲ 0.50% · 4.625%
HK$113,465
+HK$6,508/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,914/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,967
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,970
−HK$3,047/mo
Today · 4.125%
HK$118,017
baseline
▲ 0.50% · 4.625%
HK$124,237
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,034/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,402
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,427
−HK$4,089/mo
Today · 4.125%
HK$137,516
baseline
▲ 0.50% · 4.625%
HK$145,884
+HK$8,368/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,032/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,958
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,819
−HK$3,917/mo
Today · 4.125%
HK$151,736
baseline
▲ 0.50% · 4.625%
HK$159,734
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,472/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,900 · Scale 2, in force from 26 Feb 2026)