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$70,591
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,787
−HK$2,231/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$79,583
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,638
−HK$2,137/mo
Today · 4.125%
HK$82,775
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,550/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,710
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,345
−HK$2,677/mo
Today · 4.125%
HK$90,022
baseline
▲ 0.50% · 4.625%
HK$95,499
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,044/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,239
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,766
−HK$2,564/mo
Today · 4.125%
HK$99,330
baseline
▲ 0.50% · 4.625%
HK$104,566
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,660/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,828
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,902
−HK$3,123/mo
Today · 4.125%
HK$105,025
baseline
▲ 0.50% · 4.625%
HK$111,416
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,050/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,945
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,894
−HK$2,991/mo
Today · 4.125%
HK$115,885
baseline
▲ 0.50% · 4.625%
HK$121,993
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,770/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,064
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,017
−HK$4,015/mo
Today · 4.125%
HK$135,032
baseline
▲ 0.50% · 4.625%
HK$143,249
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,064/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,358
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,149
−HK$3,846/mo
Today · 4.125%
HK$148,995
baseline
▲ 0.50% · 4.625%
HK$156,849
+HK$7,854/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,990/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,700 · Scale 2, in force from 26 Feb 2026)