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$70,809
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,011
−HK$2,238/mo
Today · 4.125%
HK$75,249
baseline
▲ 0.50% · 4.625%
HK$79,828
+HK$4,579/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,498/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,774
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,887
−HK$2,143/mo
Today · 4.125%
HK$83,030
baseline
▲ 0.50% · 4.625%
HK$87,407
+HK$4,377/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,060/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,971
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,614
−HK$2,685/mo
Today · 4.125%
HK$90,299
baseline
▲ 0.50% · 4.625%
HK$95,794
+HK$5,495/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,598/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,529
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,064
−HK$2,572/mo
Today · 4.125%
HK$99,636
baseline
▲ 0.50% · 4.625%
HK$104,888
+HK$5,252/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,272/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,133
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,216
−HK$3,133/mo
Today · 4.125%
HK$105,349
baseline
▲ 0.50% · 4.625%
HK$111,759
+HK$6,410/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$210,698/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,284
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,242
−HK$3,000/mo
Today · 4.125%
HK$116,242
baseline
▲ 0.50% · 4.625%
HK$122,369
+HK$6,127/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$232,484/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,456
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$131,421
−HK$4,028/mo
Today · 4.125%
HK$135,449
baseline
▲ 0.50% · 4.625%
HK$143,690
+HK$8,241/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$270,898/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,794
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,596
−HK$3,858/mo
Today · 4.125%
HK$149,454
baseline
▲ 0.50% · 4.625%
HK$157,332
+HK$7,878/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$298,908/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,319,755 · Scale 2, in force from 26 Feb 2026)