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$70,276
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,462
−HK$2,221/mo
Today · 4.125%
HK$74,683
baseline
▲ 0.50% · 4.625%
HK$79,227
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,366/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,181
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,278
−HK$2,127/mo
Today · 4.125%
HK$82,405
baseline
▲ 0.50% · 4.625%
HK$86,749
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,810/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,331
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,954
−HK$2,666/mo
Today · 4.125%
HK$89,620
baseline
▲ 0.50% · 4.625%
HK$95,073
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,240/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,818
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,334
−HK$2,552/mo
Today · 4.125%
HK$98,886
baseline
▲ 0.50% · 4.625%
HK$104,099
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,772/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,386
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,447
−HK$3,109/mo
Today · 4.125%
HK$104,556
baseline
▲ 0.50% · 4.625%
HK$110,918
+HK$6,362/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,112/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,454
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,389
−HK$2,978/mo
Today · 4.125%
HK$115,367
baseline
▲ 0.50% · 4.625%
HK$121,449
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,734/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,497
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,432
−HK$3,997/mo
Today · 4.125%
HK$134,429
baseline
▲ 0.50% · 4.625%
HK$142,609
+HK$8,180/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,858/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,726
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,501
−HK$3,828/mo
Today · 4.125%
HK$148,329
baseline
▲ 0.50% · 4.625%
HK$156,148
+HK$7,819/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,658/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,823 · Scale 2, in force from 26 Feb 2026)