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$70,446
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,638
−HK$2,226/mo
Today · 4.125%
HK$74,864
baseline
▲ 0.50% · 4.625%
HK$79,419
+HK$4,555/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,728/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,371
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,473
−HK$2,132/mo
Today · 4.125%
HK$82,605
baseline
▲ 0.50% · 4.625%
HK$86,959
+HK$4,354/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,210/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,536
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,165
−HK$2,672/mo
Today · 4.125%
HK$89,837
baseline
▲ 0.50% · 4.625%
HK$95,303
+HK$5,466/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,674/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,045
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,567
−HK$2,559/mo
Today · 4.125%
HK$99,126
baseline
▲ 0.50% · 4.625%
HK$104,351
+HK$5,225/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,252/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,625
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,693
−HK$3,117/mo
Today · 4.125%
HK$104,810
baseline
▲ 0.50% · 4.625%
HK$111,187
+HK$6,377/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,620/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,719
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,662
−HK$2,985/mo
Today · 4.125%
HK$115,647
baseline
▲ 0.50% · 4.625%
HK$121,743
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,294/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,804
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$130,748
−HK$4,007/mo
Today · 4.125%
HK$134,755
baseline
▲ 0.50% · 4.625%
HK$142,955
+HK$8,200/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,068
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,851
−HK$3,838/mo
Today · 4.125%
HK$148,689
baseline
▲ 0.50% · 4.625%
HK$156,527
+HK$7,838/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,378/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,999 · Scale 2, in force from 26 Feb 2026)