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$83,255
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,845
−HK$2,631/mo
Today · 4.125%
HK$88,476
baseline
▲ 0.50% · 4.625%
HK$93,859
+HK$5,383/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,952/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,620
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,104
−HK$2,520/mo
Today · 4.125%
HK$97,624
baseline
▲ 0.50% · 4.625%
HK$102,770
+HK$5,146/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,248/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,906
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,014
−HK$3,157/mo
Today · 4.125%
HK$106,171
baseline
▲ 0.50% · 4.625%
HK$112,631
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$212,342/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,144
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,125
−HK$3,024/mo
Today · 4.125%
HK$117,149
baseline
▲ 0.50% · 4.625%
HK$123,324
+HK$6,175/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$234,298/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,557
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,183
−HK$3,683/mo
Today · 4.125%
HK$123,866
baseline
▲ 0.50% · 4.625%
HK$131,403
+HK$7,537/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,732/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,669
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,146
−HK$3,528/mo
Today · 4.125%
HK$136,674
baseline
▲ 0.50% · 4.625%
HK$143,878
+HK$7,204/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,348/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,859
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,521
−HK$4,736/mo
Today · 4.125%
HK$159,257
baseline
▲ 0.50% · 4.625%
HK$168,947
+HK$9,690/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,514/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,717
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$171,188
−HK$4,536/mo
Today · 4.125%
HK$175,724
baseline
▲ 0.50% · 4.625%
HK$184,987
+HK$9,263/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,448/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,729 · Scale 2, in force from 26 Feb 2026)