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$70,552
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,747
−HK$2,229/mo
Today · 4.125%
HK$74,976
baseline
▲ 0.50% · 4.625%
HK$79,538
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,952/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,488
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,593
−HK$2,136/mo
Today · 4.125%
HK$82,729
baseline
▲ 0.50% · 4.625%
HK$87,090
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,458/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,662
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,296
−HK$2,675/mo
Today · 4.125%
HK$89,971
baseline
▲ 0.50% · 4.625%
HK$95,446
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,942/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,186
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,712
−HK$2,563/mo
Today · 4.125%
HK$99,275
baseline
▲ 0.50% · 4.625%
HK$104,507
+HK$5,232/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,550/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,773
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,845
−HK$3,122/mo
Today · 4.125%
HK$104,967
baseline
▲ 0.50% · 4.625%
HK$111,354
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,934/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,884
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,831
−HK$2,989/mo
Today · 4.125%
HK$115,820
baseline
▲ 0.50% · 4.625%
HK$121,925
+HK$6,105/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,640/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,994
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,944
−HK$4,013/mo
Today · 4.125%
HK$134,957
baseline
▲ 0.50% · 4.625%
HK$143,169
+HK$8,212/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,914/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,279
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,068
−HK$3,844/mo
Today · 4.125%
HK$148,912
baseline
▲ 0.50% · 4.625%
HK$156,761
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,824/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,966 · Scale 2, in force from 26 Feb 2026)