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$70,419
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,610
−HK$2,225/mo
Today · 4.125%
HK$74,835
baseline
▲ 0.50% · 4.625%
HK$79,389
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,670/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,341
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,442
−HK$2,131/mo
Today · 4.125%
HK$82,573
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,146/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,503
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,132
−HK$2,670/mo
Today · 4.125%
HK$89,802
baseline
▲ 0.50% · 4.625%
HK$95,267
+HK$5,465/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,604/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,009
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,530
−HK$2,558/mo
Today · 4.125%
HK$99,088
baseline
▲ 0.50% · 4.625%
HK$104,311
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,176/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,587
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,654
−HK$3,116/mo
Today · 4.125%
HK$104,770
baseline
▲ 0.50% · 4.625%
HK$111,144
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,540/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,677
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,619
−HK$2,984/mo
Today · 4.125%
HK$115,603
baseline
▲ 0.50% · 4.625%
HK$121,696
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,206/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,755
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,698
−HK$4,006/mo
Today · 4.125%
HK$134,704
baseline
▲ 0.50% · 4.625%
HK$142,900
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,408/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,014
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,796
−HK$3,836/mo
Today · 4.125%
HK$148,632
baseline
▲ 0.50% · 4.625%
HK$156,467
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,264/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,496 · Scale 2, in force from 26 Feb 2026)