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$83,005
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,587
−HK$2,623/mo
Today · 4.125%
HK$88,210
baseline
▲ 0.50% · 4.625%
HK$93,578
+HK$5,368/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,420/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,343
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,819
−HK$2,513/mo
Today · 4.125%
HK$97,332
baseline
▲ 0.50% · 4.625%
HK$102,462
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,664/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,606
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,705
−HK$3,148/mo
Today · 4.125%
HK$105,853
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,706/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,811
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,783
−HK$3,015/mo
Today · 4.125%
HK$116,798
baseline
▲ 0.50% · 4.625%
HK$122,954
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,596/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,207
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,822
−HK$3,673/mo
Today · 4.125%
HK$123,495
baseline
▲ 0.50% · 4.625%
HK$131,009
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,990/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,280
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,747
−HK$3,517/mo
Today · 4.125%
HK$136,264
baseline
▲ 0.50% · 4.625%
HK$143,447
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,528/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,410
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,057
−HK$4,722/mo
Today · 4.125%
HK$158,779
baseline
▲ 0.50% · 4.625%
HK$168,440
+HK$9,661/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,558/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,217
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,675
−HK$4,522/mo
Today · 4.125%
HK$175,197
baseline
▲ 0.50% · 4.625%
HK$184,432
+HK$9,235/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,394/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,075 · Scale 2, in force from 26 Feb 2026)