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$83,321
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,633/mo
Today · 4.125%
HK$88,545
baseline
▲ 0.50% · 4.625%
HK$93,933
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,090/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,693
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,179
−HK$2,522/mo
Today · 4.125%
HK$97,701
baseline
▲ 0.50% · 4.625%
HK$102,851
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,402/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,985
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,095
−HK$3,160/mo
Today · 4.125%
HK$106,255
baseline
▲ 0.50% · 4.625%
HK$112,720
+HK$6,465/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$212,510/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,232
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,215
−HK$3,026/mo
Today · 4.125%
HK$117,241
baseline
▲ 0.50% · 4.625%
HK$123,421
+HK$6,180/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$234,482/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,649
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,277
−HK$3,687/mo
Today · 4.125%
HK$123,964
baseline
▲ 0.50% · 4.625%
HK$131,507
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,928/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,771
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,251
−HK$3,531/mo
Today · 4.125%
HK$136,782
baseline
▲ 0.50% · 4.625%
HK$143,992
+HK$7,210/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,564/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,977
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,642
−HK$4,740/mo
Today · 4.125%
HK$159,382
baseline
▲ 0.50% · 4.625%
HK$169,080
+HK$9,698/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,764/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,848
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,323
−HK$4,539/mo
Today · 4.125%
HK$175,862
baseline
▲ 0.50% · 4.625%
HK$185,132
+HK$9,270/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,724/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,950 · Scale 2, in force from 26 Feb 2026)