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$70,570
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,765
−HK$2,230/mo
Today · 4.125%
HK$74,995
baseline
▲ 0.50% · 4.625%
HK$79,559
+HK$4,564/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,990/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,508
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,614
−HK$2,136/mo
Today · 4.125%
HK$82,750
baseline
▲ 0.50% · 4.625%
HK$87,112
+HK$4,362/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,500/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,684
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,318
−HK$2,676/mo
Today · 4.125%
HK$89,994
baseline
▲ 0.50% · 4.625%
HK$95,470
+HK$5,476/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,988/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,210
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,737
−HK$2,563/mo
Today · 4.125%
HK$99,300
baseline
▲ 0.50% · 4.625%
HK$104,534
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,600/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,798
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,871
−HK$3,122/mo
Today · 4.125%
HK$104,993
baseline
▲ 0.50% · 4.625%
HK$111,382
+HK$6,389/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,986/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,912
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,859
−HK$2,991/mo
Today · 4.125%
HK$115,850
baseline
▲ 0.50% · 4.625%
HK$121,956
+HK$6,106/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,700/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,026
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,977
−HK$4,014/mo
Today · 4.125%
HK$134,991
baseline
▲ 0.50% · 4.625%
HK$143,205
+HK$8,214/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,982/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,315
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,105
−HK$3,845/mo
Today · 4.125%
HK$148,950
baseline
▲ 0.50% · 4.625%
HK$156,801
+HK$7,851/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,900/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,300 · Scale 2, in force from 26 Feb 2026)