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$83,285
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,876
−HK$2,632/mo
Today · 4.125%
HK$88,508
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$5,385/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,016/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,654
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,139
−HK$2,521/mo
Today · 4.125%
HK$97,660
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,147/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,320/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,942
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,051
−HK$3,158/mo
Today · 4.125%
HK$106,209
baseline
▲ 0.50% · 4.625%
HK$112,672
+HK$6,463/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,418/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,185
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,167
−HK$3,025/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$123,369
+HK$6,177/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,599
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,226
−HK$3,685/mo
Today · 4.125%
HK$123,911
baseline
▲ 0.50% · 4.625%
HK$131,451
+HK$7,540/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,822/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,715
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,194
−HK$3,530/mo
Today · 4.125%
HK$136,724
baseline
▲ 0.50% · 4.625%
HK$143,930
+HK$7,206/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,448/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,913
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,576
−HK$4,738/mo
Today · 4.125%
HK$159,314
baseline
▲ 0.50% · 4.625%
HK$169,008
+HK$9,694/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,628/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,777
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$171,250
−HK$4,537/mo
Today · 4.125%
HK$175,787
baseline
▲ 0.50% · 4.625%
HK$185,053
+HK$9,266/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,574/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,289 · Scale 2, in force from 26 Feb 2026)