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$82,881
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,459
−HK$2,619/mo
Today · 4.125%
HK$88,078
baseline
▲ 0.50% · 4.625%
HK$93,438
+HK$5,360/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,156/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,204
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,677
−HK$2,509/mo
Today · 4.125%
HK$97,186
baseline
▲ 0.50% · 4.625%
HK$102,309
+HK$5,123/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,372/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,457
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,551
−HK$3,143/mo
Today · 4.125%
HK$105,694
baseline
▲ 0.50% · 4.625%
HK$112,125
+HK$6,431/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,388/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,645
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,613
−HK$3,010/mo
Today · 4.125%
HK$116,623
baseline
▲ 0.50% · 4.625%
HK$122,770
+HK$6,147/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,246/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,034
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,643
−HK$3,667/mo
Today · 4.125%
HK$123,310
baseline
▲ 0.50% · 4.625%
HK$130,813
+HK$7,503/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,620/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,086
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,548
−HK$3,512/mo
Today · 4.125%
HK$136,060
baseline
▲ 0.50% · 4.625%
HK$143,232
+HK$7,172/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,120/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,186
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,826
−HK$4,715/mo
Today · 4.125%
HK$158,541
baseline
▲ 0.50% · 4.625%
HK$168,188
+HK$9,647/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,082/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,968
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$170,419
−HK$4,516/mo
Today · 4.125%
HK$174,935
baseline
▲ 0.50% · 4.625%
HK$184,156
+HK$9,221/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,870/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,759 · Scale 2, in force from 26 Feb 2026)