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$71,868
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,104
−HK$2,271/mo
Today · 4.125%
HK$76,375
baseline
▲ 0.50% · 4.625%
HK$81,022
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,750/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,953
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,097
−HK$2,175/mo
Today · 4.125%
HK$84,272
baseline
▲ 0.50% · 4.625%
HK$88,714
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,544/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,242
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,925
−HK$2,725/mo
Today · 4.125%
HK$91,650
baseline
▲ 0.50% · 4.625%
HK$97,227
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,300/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,943
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,516
−HK$2,611/mo
Today · 4.125%
HK$101,127
baseline
▲ 0.50% · 4.625%
HK$106,457
+HK$5,330/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,254/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,616
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,745
−HK$3,180/mo
Today · 4.125%
HK$106,925
baseline
▲ 0.50% · 4.625%
HK$113,431
+HK$6,506/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,850/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,934
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,936
−HK$3,045/mo
Today · 4.125%
HK$117,981
baseline
▲ 0.50% · 4.625%
HK$124,200
+HK$6,219/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,962/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,363
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,387
−HK$4,088/mo
Today · 4.125%
HK$137,475
baseline
▲ 0.50% · 4.625%
HK$145,840
+HK$8,365/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,950/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,915
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,775
−HK$3,915/mo
Today · 4.125%
HK$151,690
baseline
▲ 0.50% · 4.625%
HK$159,686
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,380/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,500 · Scale 2, in force from 26 Feb 2026)