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$83,114
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,699
−HK$2,627/mo
Today · 4.125%
HK$88,326
baseline
▲ 0.50% · 4.625%
HK$93,700
+HK$5,374/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,652/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,464
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,943
−HK$2,516/mo
Today · 4.125%
HK$97,459
baseline
▲ 0.50% · 4.625%
HK$102,596
+HK$5,137/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,918/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,737
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,839
−HK$3,152/mo
Today · 4.125%
HK$105,991
baseline
▲ 0.50% · 4.625%
HK$112,441
+HK$6,450/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,982/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,956
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,932
−HK$3,019/mo
Today · 4.125%
HK$116,951
baseline
▲ 0.50% · 4.625%
HK$123,116
+HK$6,165/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,902/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,360
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,979
−HK$3,677/mo
Today · 4.125%
HK$123,656
baseline
▲ 0.50% · 4.625%
HK$131,181
+HK$7,525/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,312/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,449
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,921
−HK$3,522/mo
Today · 4.125%
HK$136,443
baseline
▲ 0.50% · 4.625%
HK$143,635
+HK$7,192/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,886/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,605
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$154,259
−HK$4,728/mo
Today · 4.125%
HK$158,987
baseline
▲ 0.50% · 4.625%
HK$168,661
+HK$9,674/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,974/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,434
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,898
−HK$4,528/mo
Today · 4.125%
HK$175,426
baseline
▲ 0.50% · 4.625%
HK$184,673
+HK$9,247/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,852/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,102 · Scale 2, in force from 26 Feb 2026)