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$70,272
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,458
−HK$2,221/mo
Today · 4.125%
HK$74,679
baseline
▲ 0.50% · 4.625%
HK$79,223
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,358/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,177
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,273
−HK$2,127/mo
Today · 4.125%
HK$82,400
baseline
▲ 0.50% · 4.625%
HK$86,744
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,800/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,326
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,949
−HK$2,665/mo
Today · 4.125%
HK$89,614
baseline
▲ 0.50% · 4.625%
HK$95,067
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,228/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,812
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,328
−HK$2,553/mo
Today · 4.125%
HK$98,881
baseline
▲ 0.50% · 4.625%
HK$104,093
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,762/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,381
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,441
−HK$3,109/mo
Today · 4.125%
HK$104,550
baseline
▲ 0.50% · 4.625%
HK$110,912
+HK$6,362/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,100/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,448
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,383
−HK$2,978/mo
Today · 4.125%
HK$115,361
baseline
▲ 0.50% · 4.625%
HK$121,441
+HK$6,080/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,722/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,489
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,424
−HK$3,997/mo
Today · 4.125%
HK$134,421
baseline
▲ 0.50% · 4.625%
HK$142,601
+HK$8,180/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,842/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,718
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,492
−HK$3,829/mo
Today · 4.125%
HK$148,321
baseline
▲ 0.50% · 4.625%
HK$156,139
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,642/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,747 · Scale 2, in force from 26 Feb 2026)