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$82,997
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,579
−HK$2,622/mo
Today · 4.125%
HK$88,201
baseline
▲ 0.50% · 4.625%
HK$93,568
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,402/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,333
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,809
−HK$2,513/mo
Today · 4.125%
HK$97,322
baseline
▲ 0.50% · 4.625%
HK$102,452
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,644/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,596
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,694
−HK$3,148/mo
Today · 4.125%
HK$105,842
baseline
▲ 0.50% · 4.625%
HK$112,282
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,684/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,800
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,771
−HK$3,015/mo
Today · 4.125%
HK$116,786
baseline
▲ 0.50% · 4.625%
HK$122,942
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,572/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,196
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,810
−HK$3,672/mo
Today · 4.125%
HK$123,482
baseline
▲ 0.50% · 4.625%
HK$130,996
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,964/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,266
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,733
−HK$3,517/mo
Today · 4.125%
HK$136,250
baseline
▲ 0.50% · 4.625%
HK$143,432
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,500/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,394
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,041
−HK$4,722/mo
Today · 4.125%
HK$158,763
baseline
▲ 0.50% · 4.625%
HK$168,423
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,526/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,200
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,657
−HK$4,522/mo
Today · 4.125%
HK$175,179
baseline
▲ 0.50% · 4.625%
HK$184,413
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,358/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,917 · Scale 2, in force from 26 Feb 2026)