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$70,450
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,642
−HK$2,226/mo
Today · 4.125%
HK$74,868
baseline
▲ 0.50% · 4.625%
HK$79,424
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,736/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,375
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,477
−HK$2,133/mo
Today · 4.125%
HK$82,610
baseline
▲ 0.50% · 4.625%
HK$86,964
+HK$4,354/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,220/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,541
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,170
−HK$2,672/mo
Today · 4.125%
HK$89,842
baseline
▲ 0.50% · 4.625%
HK$95,309
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,684/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,051
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,573
−HK$2,559/mo
Today · 4.125%
HK$99,132
baseline
▲ 0.50% · 4.625%
HK$104,357
+HK$5,225/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,264/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,631
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,699
−HK$3,117/mo
Today · 4.125%
HK$104,816
baseline
▲ 0.50% · 4.625%
HK$111,193
+HK$6,377/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,632/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,726
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,668
−HK$2,986/mo
Today · 4.125%
HK$115,654
baseline
▲ 0.50% · 4.625%
HK$121,750
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,308/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,811
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$130,755
−HK$4,008/mo
Today · 4.125%
HK$134,763
baseline
▲ 0.50% · 4.625%
HK$142,963
+HK$8,200/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,076
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,859
−HK$3,839/mo
Today · 4.125%
HK$148,698
baseline
▲ 0.50% · 4.625%
HK$156,536
+HK$7,838/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,396/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,074 · Scale 2, in force from 26 Feb 2026)