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$82,863
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,619/mo
Today · 4.125%
HK$88,059
baseline
▲ 0.50% · 4.625%
HK$93,417
+HK$5,358/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,118/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,184
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,656
−HK$2,508/mo
Today · 4.125%
HK$97,164
baseline
▲ 0.50% · 4.625%
HK$102,286
+HK$5,122/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,328/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,435
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,528
−HK$3,143/mo
Today · 4.125%
HK$105,671
baseline
▲ 0.50% · 4.625%
HK$112,101
+HK$6,430/mo
Deposit HK$14.54M · loan HK$21.80M · min. income ≈ HK$211,342/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,621
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,588
−HK$3,009/mo
Today · 4.125%
HK$116,597
baseline
▲ 0.50% · 4.625%
HK$122,743
+HK$6,146/mo
Deposit HK$14.54M · loan HK$21.80M · min. income ≈ HK$233,194/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,008
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,616
−HK$3,667/mo
Today · 4.125%
HK$123,283
baseline
▲ 0.50% · 4.625%
HK$130,784
+HK$7,501/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,566/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,058
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,519
−HK$3,511/mo
Today · 4.125%
HK$136,030
baseline
▲ 0.50% · 4.625%
HK$143,200
+HK$7,170/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,060/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,153
−HK$9,353/mo
▼ 0.25% · 3.875%
HK$153,792
−HK$4,714/mo
Today · 4.125%
HK$158,506
baseline
▲ 0.50% · 4.625%
HK$168,151
+HK$9,645/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,012/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,931
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$170,381
−HK$4,515/mo
Today · 4.125%
HK$174,896
baseline
▲ 0.50% · 4.625%
HK$184,115
+HK$9,219/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,792/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,417 · Scale 2, in force from 26 Feb 2026)