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$74,309
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,620
−HK$2,349/mo
Today · 4.125%
HK$78,969
baseline
▲ 0.50% · 4.625%
HK$83,774
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,938/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,668
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,885
−HK$2,249/mo
Today · 4.125%
HK$87,134
baseline
▲ 0.50% · 4.625%
HK$91,727
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,268/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,171
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,944
−HK$2,819/mo
Today · 4.125%
HK$94,763
baseline
▲ 0.50% · 4.625%
HK$100,529
+HK$5,766/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,526/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,202
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,862
−HK$2,699/mo
Today · 4.125%
HK$104,561
baseline
▲ 0.50% · 4.625%
HK$110,073
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,122/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,033
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,269
−HK$3,287/mo
Today · 4.125%
HK$110,556
baseline
▲ 0.50% · 4.625%
HK$117,283
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,112/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,735
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,839
−HK$3,149/mo
Today · 4.125%
HK$121,988
baseline
▲ 0.50% · 4.625%
HK$128,418
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,976/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,756
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,917
−HK$4,227/mo
Today · 4.125%
HK$142,144
baseline
▲ 0.50% · 4.625%
HK$150,793
+HK$8,649/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,288/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,802
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,793
−HK$4,049/mo
Today · 4.125%
HK$156,842
baseline
▲ 0.50% · 4.625%
HK$165,109
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,684/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,990 · Scale 2, in force from 26 Feb 2026)