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$83,205
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,793
−HK$2,630/mo
Today · 4.125%
HK$88,423
baseline
▲ 0.50% · 4.625%
HK$93,803
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,846/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,047
−HK$2,519/mo
Today · 4.125%
HK$97,566
baseline
▲ 0.50% · 4.625%
HK$102,709
+HK$5,143/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,132/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,846
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,952
−HK$3,155/mo
Today · 4.125%
HK$106,107
baseline
▲ 0.50% · 4.625%
HK$112,564
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$212,214/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,078
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,057
−HK$3,022/mo
Today · 4.125%
HK$117,079
baseline
▲ 0.50% · 4.625%
HK$123,250
+HK$6,171/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$234,158/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,487
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,111
−HK$3,681/mo
Today · 4.125%
HK$123,792
baseline
▲ 0.50% · 4.625%
HK$131,324
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,584/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,591
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,066
−HK$3,526/mo
Today · 4.125%
HK$136,592
baseline
▲ 0.50% · 4.625%
HK$143,792
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,184/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,769
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,428
−HK$4,733/mo
Today · 4.125%
HK$159,161
baseline
▲ 0.50% · 4.625%
HK$168,846
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,322/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,617
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,085
−HK$4,534/mo
Today · 4.125%
HK$175,619
baseline
▲ 0.50% · 4.625%
HK$184,876
+HK$9,257/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,238/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,799 · Scale 2, in force from 26 Feb 2026)