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$70,462
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,654
−HK$2,227/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$79,437
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,389
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,491
−HK$2,133/mo
Today · 4.125%
HK$82,624
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,248/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,555
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,185
−HK$2,672/mo
Today · 4.125%
HK$89,857
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,714/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,066
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,589
−HK$2,559/mo
Today · 4.125%
HK$99,148
baseline
▲ 0.50% · 4.625%
HK$104,375
+HK$5,227/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,296/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,647
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,716
−HK$3,117/mo
Today · 4.125%
HK$104,833
baseline
▲ 0.50% · 4.625%
HK$111,212
+HK$6,379/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,666/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,744
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,687
−HK$2,986/mo
Today · 4.125%
HK$115,673
baseline
▲ 0.50% · 4.625%
HK$121,770
+HK$6,097/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,346/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,832
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,777
−HK$4,009/mo
Today · 4.125%
HK$134,786
baseline
▲ 0.50% · 4.625%
HK$142,987
+HK$8,201/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,572/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,099
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,884
−HK$3,839/mo
Today · 4.125%
HK$148,723
baseline
▲ 0.50% · 4.625%
HK$156,562
+HK$7,839/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,446/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,294 · Scale 2, in force from 26 Feb 2026)