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$70,285
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,472
−HK$2,221/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$79,238
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,192
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,289
−HK$2,127/mo
Today · 4.125%
HK$82,416
baseline
▲ 0.50% · 4.625%
HK$86,760
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,832/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,342
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,665/mo
Today · 4.125%
HK$89,631
baseline
▲ 0.50% · 4.625%
HK$95,085
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,262/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,830
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,346
−HK$2,553/mo
Today · 4.125%
HK$98,899
baseline
▲ 0.50% · 4.625%
HK$104,112
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,798/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,399
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,460
−HK$3,110/mo
Today · 4.125%
HK$104,570
baseline
▲ 0.50% · 4.625%
HK$110,933
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,140/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,468
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,404
−HK$2,979/mo
Today · 4.125%
HK$115,383
baseline
▲ 0.50% · 4.625%
HK$121,465
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,766/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,513
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,449
−HK$3,998/mo
Today · 4.125%
HK$134,447
baseline
▲ 0.50% · 4.625%
HK$142,628
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,894/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,745
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,520
−HK$3,829/mo
Today · 4.125%
HK$148,349
baseline
▲ 0.50% · 4.625%
HK$156,169
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,698/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,995 · Scale 2, in force from 26 Feb 2026)