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$70,353
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$2,223/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,313
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,528/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,266
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,366
−HK$2,129/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$86,843
+HK$4,348/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,423
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,049
−HK$2,668/mo
Today · 4.125%
HK$89,717
baseline
▲ 0.50% · 4.625%
HK$95,176
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,434/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,920
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,439
−HK$2,555/mo
Today · 4.125%
HK$98,994
baseline
▲ 0.50% · 4.625%
HK$104,212
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,988/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,494
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,557
−HK$3,113/mo
Today · 4.125%
HK$104,670
baseline
▲ 0.50% · 4.625%
HK$111,039
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,340/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,573
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,512
−HK$2,981/mo
Today · 4.125%
HK$115,493
baseline
▲ 0.50% · 4.625%
HK$121,581
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,986/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,635
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,574
−HK$4,002/mo
Today · 4.125%
HK$134,576
baseline
▲ 0.50% · 4.625%
HK$142,764
+HK$8,188/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,152/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,880
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,658
−HK$3,833/mo
Today · 4.125%
HK$148,491
baseline
▲ 0.50% · 4.625%
HK$156,318
+HK$7,827/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,982/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,248 · Scale 2, in force from 26 Feb 2026)