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$70,220
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,405
−HK$2,219/mo
Today · 4.125%
HK$74,624
baseline
▲ 0.50% · 4.625%
HK$79,165
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,248/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,120
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,125/mo
Today · 4.125%
HK$82,340
baseline
▲ 0.50% · 4.625%
HK$86,680
+HK$4,340/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,680/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,265
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,886
−HK$2,663/mo
Today · 4.125%
HK$89,549
baseline
▲ 0.50% · 4.625%
HK$94,998
+HK$5,449/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,098/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,744
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,258
−HK$2,550/mo
Today · 4.125%
HK$98,808
baseline
▲ 0.50% · 4.625%
HK$104,016
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,616/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,309
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,367
−HK$3,107/mo
Today · 4.125%
HK$104,474
baseline
▲ 0.50% · 4.625%
HK$110,830
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,948/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,367
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,301
−HK$2,975/mo
Today · 4.125%
HK$115,276
baseline
▲ 0.50% · 4.625%
HK$121,353
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,552/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,397
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,329
−HK$3,994/mo
Today · 4.125%
HK$134,323
baseline
▲ 0.50% · 4.625%
HK$142,496
+HK$8,173/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,646/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,615
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,386
−HK$3,826/mo
Today · 4.125%
HK$148,212
baseline
▲ 0.50% · 4.625%
HK$156,025
+HK$7,813/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,424/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,788 · Scale 2, in force from 26 Feb 2026)