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$70,016
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,194
−HK$2,213/mo
Today · 4.125%
HK$74,407
baseline
▲ 0.50% · 4.625%
HK$78,934
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,814/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,892
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,981
−HK$2,119/mo
Today · 4.125%
HK$82,100
baseline
▲ 0.50% · 4.625%
HK$86,428
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,200/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,019
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,633
−HK$2,655/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$94,721
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,471
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,977
−HK$2,544/mo
Today · 4.125%
HK$98,521
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,042/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,023
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,072
−HK$3,097/mo
Today · 4.125%
HK$104,169
baseline
▲ 0.50% · 4.625%
HK$110,508
+HK$6,339/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,338/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,049
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,974
−HK$2,967/mo
Today · 4.125%
HK$114,941
baseline
▲ 0.50% · 4.625%
HK$120,999
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,882/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,029
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,949
−HK$3,983/mo
Today · 4.125%
HK$133,932
baseline
▲ 0.50% · 4.625%
HK$142,082
+HK$8,150/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,864/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,206
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,966
−HK$3,815/mo
Today · 4.125%
HK$147,781
baseline
▲ 0.50% · 4.625%
HK$155,571
+HK$7,790/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,562/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,978 · Scale 2, in force from 26 Feb 2026)