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$82,801
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,376
−HK$2,617/mo
Today · 4.125%
HK$87,993
baseline
▲ 0.50% · 4.625%
HK$93,347
+HK$5,354/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$175,986/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,115
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,585
−HK$2,507/mo
Today · 4.125%
HK$97,092
baseline
▲ 0.50% · 4.625%
HK$102,209
+HK$5,117/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,184/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,361
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,452
−HK$3,140/mo
Today · 4.125%
HK$105,592
baseline
▲ 0.50% · 4.625%
HK$112,017
+HK$6,425/mo
Deposit HK$14.52M · loan HK$21.79M · min. income ≈ HK$211,184/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,538
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,503
−HK$3,007/mo
Today · 4.125%
HK$116,510
baseline
▲ 0.50% · 4.625%
HK$122,651
+HK$6,141/mo
Deposit HK$14.52M · loan HK$21.79M · min. income ≈ HK$233,020/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,921
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,527
−HK$3,663/mo
Today · 4.125%
HK$123,190
baseline
▲ 0.50% · 4.625%
HK$130,686
+HK$7,496/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$246,380/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,961
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,420
−HK$3,508/mo
Today · 4.125%
HK$135,928
baseline
▲ 0.50% · 4.625%
HK$143,093
+HK$7,165/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$271,856/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,041
−HK$9,346/mo
▼ 0.25% · 3.875%
HK$153,677
−HK$4,710/mo
Today · 4.125%
HK$158,387
baseline
▲ 0.50% · 4.625%
HK$168,025
+HK$9,638/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$316,774/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,807
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$170,254
−HK$4,511/mo
Today · 4.125%
HK$174,765
baseline
▲ 0.50% · 4.625%
HK$183,977
+HK$9,212/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$349,530/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,261 · Scale 2, in force from 26 Feb 2026)