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$70,418
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,608
−HK$2,226/mo
Today · 4.125%
HK$74,834
baseline
▲ 0.50% · 4.625%
HK$79,387
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,668/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,440
−HK$2,132/mo
Today · 4.125%
HK$82,572
baseline
▲ 0.50% · 4.625%
HK$86,924
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,144/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,501
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,130
−HK$2,670/mo
Today · 4.125%
HK$89,800
baseline
▲ 0.50% · 4.625%
HK$95,265
+HK$5,465/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,600/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,007
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,528
−HK$2,558/mo
Today · 4.125%
HK$99,086
baseline
▲ 0.50% · 4.625%
HK$104,309
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,172/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,585
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,652
−HK$3,115/mo
Today · 4.125%
HK$104,767
baseline
▲ 0.50% · 4.625%
HK$111,142
+HK$6,375/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,534/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,675
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,616
−HK$2,984/mo
Today · 4.125%
HK$115,600
baseline
▲ 0.50% · 4.625%
HK$121,694
+HK$6,094/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,200/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,752
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,695
−HK$4,006/mo
Today · 4.125%
HK$134,701
baseline
▲ 0.50% · 4.625%
HK$142,897
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,402/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,011
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,792
−HK$3,837/mo
Today · 4.125%
HK$148,629
baseline
▲ 0.50% · 4.625%
HK$156,463
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,258/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,467 · Scale 2, in force from 26 Feb 2026)