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$70,423
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,614
−HK$2,225/mo
Today · 4.125%
HK$74,839
baseline
▲ 0.50% · 4.625%
HK$79,393
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,678/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,446
−HK$2,132/mo
Today · 4.125%
HK$82,578
baseline
▲ 0.50% · 4.625%
HK$86,931
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,156/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,508
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,136
−HK$2,671/mo
Today · 4.125%
HK$89,807
baseline
▲ 0.50% · 4.625%
HK$95,272
+HK$5,465/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,614/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,014
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,535
−HK$2,558/mo
Today · 4.125%
HK$99,093
baseline
▲ 0.50% · 4.625%
HK$104,317
+HK$5,224/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,186/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,592
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,659
−HK$3,116/mo
Today · 4.125%
HK$104,775
baseline
▲ 0.50% · 4.625%
HK$111,150
+HK$6,375/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,550/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,683
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,625
−HK$2,984/mo
Today · 4.125%
HK$115,609
baseline
▲ 0.50% · 4.625%
HK$121,703
+HK$6,094/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,218/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,762
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,705
−HK$4,006/mo
Today · 4.125%
HK$134,711
baseline
▲ 0.50% · 4.625%
HK$142,908
+HK$8,197/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,422/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,021
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,803
−HK$3,837/mo
Today · 4.125%
HK$148,640
baseline
▲ 0.50% · 4.625%
HK$156,475
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,280/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,565 · Scale 2, in force from 26 Feb 2026)