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$82,917
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,497
−HK$2,620/mo
Today · 4.125%
HK$88,117
baseline
▲ 0.50% · 4.625%
HK$93,479
+HK$5,362/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,234/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,245
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,719
−HK$2,510/mo
Today · 4.125%
HK$97,229
baseline
▲ 0.50% · 4.625%
HK$102,354
+HK$5,125/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,458/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,501
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,596
−HK$3,145/mo
Today · 4.125%
HK$105,741
baseline
▲ 0.50% · 4.625%
HK$112,175
+HK$6,434/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,482/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,694
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,663
−HK$3,011/mo
Today · 4.125%
HK$116,674
baseline
▲ 0.50% · 4.625%
HK$122,824
+HK$6,150/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,348/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,084
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$119,695
−HK$3,669/mo
Today · 4.125%
HK$123,364
baseline
▲ 0.50% · 4.625%
HK$130,870
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,728/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,143
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,606
−HK$3,514/mo
Today · 4.125%
HK$136,120
baseline
▲ 0.50% · 4.625%
HK$143,295
+HK$7,175/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,240/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,251
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$153,894
−HK$4,717/mo
Today · 4.125%
HK$158,611
baseline
▲ 0.50% · 4.625%
HK$168,262
+HK$9,651/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,222/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,041
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,494
−HK$4,517/mo
Today · 4.125%
HK$175,011
baseline
▲ 0.50% · 4.625%
HK$184,237
+HK$9,226/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,022/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,438 · Scale 2, in force from 26 Feb 2026)