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$83,324
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,915
−HK$2,634/mo
Today · 4.125%
HK$88,549
baseline
▲ 0.50% · 4.625%
HK$93,937
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,098/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,697
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,183
−HK$2,522/mo
Today · 4.125%
HK$97,705
baseline
▲ 0.50% · 4.625%
HK$102,855
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,410/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,988
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,099
−HK$3,160/mo
Today · 4.125%
HK$106,259
baseline
▲ 0.50% · 4.625%
HK$112,724
+HK$6,465/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$212,518/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,236
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,219
−HK$3,027/mo
Today · 4.125%
HK$117,246
baseline
▲ 0.50% · 4.625%
HK$123,426
+HK$6,180/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$234,492/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,653
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,282
−HK$3,686/mo
Today · 4.125%
HK$123,968
baseline
▲ 0.50% · 4.625%
HK$131,511
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,936/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,775
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,256
−HK$3,531/mo
Today · 4.125%
HK$136,787
baseline
▲ 0.50% · 4.625%
HK$143,997
+HK$7,210/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,574/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,983
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,648
−HK$4,740/mo
Today · 4.125%
HK$159,388
baseline
▲ 0.50% · 4.625%
HK$169,086
+HK$9,698/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,776/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,854
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$171,329
−HK$4,540/mo
Today · 4.125%
HK$175,869
baseline
▲ 0.50% · 4.625%
HK$185,139
+HK$9,270/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,738/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,007 · Scale 2, in force from 26 Feb 2026)