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$83,244
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,833
−HK$2,631/mo
Today · 4.125%
HK$88,464
baseline
▲ 0.50% · 4.625%
HK$93,846
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,928/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,608
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,091
−HK$2,520/mo
Today · 4.125%
HK$97,611
baseline
▲ 0.50% · 4.625%
HK$102,756
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,222/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,892
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,999
−HK$3,157/mo
Today · 4.125%
HK$106,156
baseline
▲ 0.50% · 4.625%
HK$112,616
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,312/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,129
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,110
−HK$3,023/mo
Today · 4.125%
HK$117,133
baseline
▲ 0.50% · 4.625%
HK$123,307
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,266/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,541
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,166
−HK$3,683/mo
Today · 4.125%
HK$123,849
baseline
▲ 0.50% · 4.625%
HK$131,385
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,698/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,651
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,128
−HK$3,527/mo
Today · 4.125%
HK$136,655
baseline
▲ 0.50% · 4.625%
HK$143,859
+HK$7,204/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,310/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,838
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$154,499
−HK$4,736/mo
Today · 4.125%
HK$159,235
baseline
▲ 0.50% · 4.625%
HK$168,924
+HK$9,689/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,470/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,694
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$171,164
−HK$4,536/mo
Today · 4.125%
HK$175,700
baseline
▲ 0.50% · 4.625%
HK$184,961
+HK$9,261/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,400/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,515 · Scale 2, in force from 26 Feb 2026)