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$70,382
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,571
−HK$2,225/mo
Today · 4.125%
HK$74,796
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,592/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,299
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,399
−HK$2,131/mo
Today · 4.125%
HK$82,530
baseline
▲ 0.50% · 4.625%
HK$86,880
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,060/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,459
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,086
−HK$2,669/mo
Today · 4.125%
HK$89,755
baseline
▲ 0.50% · 4.625%
HK$95,216
+HK$5,461/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,510/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,959
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,479
−HK$2,557/mo
Today · 4.125%
HK$99,036
baseline
▲ 0.50% · 4.625%
HK$104,256
+HK$5,220/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,072/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,535
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,600
−HK$3,114/mo
Today · 4.125%
HK$104,714
baseline
▲ 0.50% · 4.625%
HK$111,086
+HK$6,372/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,428/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,619
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,559
−HK$2,983/mo
Today · 4.125%
HK$115,542
baseline
▲ 0.50% · 4.625%
HK$121,632
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,084/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,688
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,628
−HK$4,004/mo
Today · 4.125%
HK$134,632
baseline
▲ 0.50% · 4.625%
HK$142,824
+HK$8,192/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,264/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,939
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,719
−HK$3,834/mo
Today · 4.125%
HK$148,553
baseline
▲ 0.50% · 4.625%
HK$156,384
+HK$7,831/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,106/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,800 · Scale 2, in force from 26 Feb 2026)