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$70,457
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,649
−HK$2,227/mo
Today · 4.125%
HK$74,876
baseline
▲ 0.50% · 4.625%
HK$79,432
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,752/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,383
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,485
−HK$2,133/mo
Today · 4.125%
HK$82,618
baseline
▲ 0.50% · 4.625%
HK$86,973
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,236/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,549
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,179
−HK$2,672/mo
Today · 4.125%
HK$89,851
baseline
▲ 0.50% · 4.625%
HK$95,318
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,702/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,060
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,582
−HK$2,559/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$104,367
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,640
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,708
−HK$3,118/mo
Today · 4.125%
HK$104,826
baseline
▲ 0.50% · 4.625%
HK$111,204
+HK$6,378/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,652/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,736
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,679
−HK$2,986/mo
Today · 4.125%
HK$115,665
baseline
▲ 0.50% · 4.625%
HK$121,762
+HK$6,097/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,330/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,823
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,768
−HK$4,008/mo
Today · 4.125%
HK$134,776
baseline
▲ 0.50% · 4.625%
HK$142,977
+HK$8,201/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,552/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,089
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,873
−HK$3,839/mo
Today · 4.125%
HK$148,712
baseline
▲ 0.50% · 4.625%
HK$156,551
+HK$7,839/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,424/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,200 · Scale 2, in force from 26 Feb 2026)