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$70,239
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$2,220/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$79,185
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,140
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,235
−HK$2,126/mo
Today · 4.125%
HK$82,361
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,722/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,286
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,908
−HK$2,664/mo
Today · 4.125%
HK$89,572
baseline
▲ 0.50% · 4.625%
HK$95,022
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,144/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,768
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,283
−HK$2,551/mo
Today · 4.125%
HK$98,834
baseline
▲ 0.50% · 4.625%
HK$104,043
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,668/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,334
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,393
−HK$3,107/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,859
+HK$6,359/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,396
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,330
−HK$2,976/mo
Today · 4.125%
HK$115,306
baseline
▲ 0.50% · 4.625%
HK$121,384
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,612/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,430
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,362
−HK$3,996/mo
Today · 4.125%
HK$134,358
baseline
▲ 0.50% · 4.625%
HK$142,533
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,716/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,652
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,424
−HK$3,827/mo
Today · 4.125%
HK$148,251
baseline
▲ 0.50% · 4.625%
HK$156,065
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,502/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,126 · Scale 2, in force from 26 Feb 2026)