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$83,019
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,602
−HK$2,623/mo
Today · 4.125%
HK$88,225
baseline
▲ 0.50% · 4.625%
HK$93,594
+HK$5,369/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,450/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,358
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,835
−HK$2,513/mo
Today · 4.125%
HK$97,348
baseline
▲ 0.50% · 4.625%
HK$102,479
+HK$5,131/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,696/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,623
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,722
−HK$3,148/mo
Today · 4.125%
HK$105,870
baseline
▲ 0.50% · 4.625%
HK$112,312
+HK$6,442/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,740/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,830
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,802
−HK$3,015/mo
Today · 4.125%
HK$116,817
baseline
▲ 0.50% · 4.625%
HK$122,975
+HK$6,158/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,634/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,227
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,842
−HK$3,673/mo
Today · 4.125%
HK$123,515
baseline
▲ 0.50% · 4.625%
HK$131,031
+HK$7,516/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,030/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,301
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,769
−HK$3,518/mo
Today · 4.125%
HK$136,287
baseline
▲ 0.50% · 4.625%
HK$143,471
+HK$7,184/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,574/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,435
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,083
−HK$4,722/mo
Today · 4.125%
HK$158,805
baseline
▲ 0.50% · 4.625%
HK$168,468
+HK$9,663/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,610/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,244
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$170,703
−HK$4,523/mo
Today · 4.125%
HK$175,226
baseline
▲ 0.50% · 4.625%
HK$184,462
+HK$9,236/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,452/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,333 · Scale 2, in force from 26 Feb 2026)