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$82,868
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,446
−HK$2,619/mo
Today · 4.125%
HK$88,065
baseline
▲ 0.50% · 4.625%
HK$93,423
+HK$5,358/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,130/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,190
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,662
−HK$2,509/mo
Today · 4.125%
HK$97,171
baseline
▲ 0.50% · 4.625%
HK$102,293
+HK$5,122/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,342/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,442
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,535
−HK$3,143/mo
Today · 4.125%
HK$105,678
baseline
▲ 0.50% · 4.625%
HK$112,108
+HK$6,430/mo
Deposit HK$14.54M · loan HK$21.80M · min. income ≈ HK$211,356/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,628
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,595
−HK$3,010/mo
Today · 4.125%
HK$116,605
baseline
▲ 0.50% · 4.625%
HK$122,751
+HK$6,146/mo
Deposit HK$14.54M · loan HK$21.80M · min. income ≈ HK$233,210/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,015
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,624
−HK$3,667/mo
Today · 4.125%
HK$123,291
baseline
▲ 0.50% · 4.625%
HK$130,793
+HK$7,502/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,582/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,066
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,527
−HK$3,512/mo
Today · 4.125%
HK$136,039
baseline
▲ 0.50% · 4.625%
HK$143,210
+HK$7,171/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,078/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,163
−HK$9,354/mo
▼ 0.25% · 3.875%
HK$153,802
−HK$4,715/mo
Today · 4.125%
HK$158,517
baseline
▲ 0.50% · 4.625%
HK$168,162
+HK$9,645/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,034/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,942
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$170,392
−HK$4,515/mo
Today · 4.125%
HK$174,907
baseline
▲ 0.50% · 4.625%
HK$184,127
+HK$9,220/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,814/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,518 · Scale 2, in force from 26 Feb 2026)