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$70,808
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,011
−HK$2,237/mo
Today · 4.125%
HK$75,248
baseline
▲ 0.50% · 4.625%
HK$79,827
+HK$4,579/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,496/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,773
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,886
−HK$2,143/mo
Today · 4.125%
HK$83,029
baseline
▲ 0.50% · 4.625%
HK$87,406
+HK$4,377/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,058/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,970
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,613
−HK$2,685/mo
Today · 4.125%
HK$90,298
baseline
▲ 0.50% · 4.625%
HK$95,792
+HK$5,494/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,596/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,528
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,063
−HK$2,572/mo
Today · 4.125%
HK$99,635
baseline
▲ 0.50% · 4.625%
HK$104,887
+HK$5,252/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,270/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,131
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,215
−HK$3,133/mo
Today · 4.125%
HK$105,348
baseline
▲ 0.50% · 4.625%
HK$111,758
+HK$6,410/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$210,696/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,282
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,240
−HK$3,001/mo
Today · 4.125%
HK$116,241
baseline
▲ 0.50% · 4.625%
HK$122,368
+HK$6,127/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$232,482/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,454
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$131,419
−HK$4,028/mo
Today · 4.125%
HK$135,447
baseline
▲ 0.50% · 4.625%
HK$143,688
+HK$8,241/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$270,894/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,792
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,594
−HK$3,858/mo
Today · 4.125%
HK$149,452
baseline
▲ 0.50% · 4.625%
HK$157,330
+HK$7,878/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$298,904/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,319,738 · Scale 2, in force from 26 Feb 2026)