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$82,978
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,559
−HK$2,622/mo
Today · 4.125%
HK$88,181
baseline
▲ 0.50% · 4.625%
HK$93,547
+HK$5,366/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,362/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,312
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,787
−HK$2,512/mo
Today · 4.125%
HK$97,299
baseline
▲ 0.50% · 4.625%
HK$102,428
+HK$5,129/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,598/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,573
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,670
−HK$3,147/mo
Today · 4.125%
HK$105,817
baseline
▲ 0.50% · 4.625%
HK$112,256
+HK$6,439/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$211,634/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,774
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,745
−HK$3,014/mo
Today · 4.125%
HK$116,759
baseline
▲ 0.50% · 4.625%
HK$122,913
+HK$6,154/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$233,518/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,169
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,782
−HK$3,671/mo
Today · 4.125%
HK$123,453
baseline
▲ 0.50% · 4.625%
HK$130,965
+HK$7,512/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$246,906/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,236
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,702
−HK$3,517/mo
Today · 4.125%
HK$136,219
baseline
▲ 0.50% · 4.625%
HK$143,399
+HK$7,180/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$272,438/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,360
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$154,005
−HK$4,721/mo
Today · 4.125%
HK$158,726
baseline
▲ 0.50% · 4.625%
HK$168,384
+HK$9,658/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$317,452/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,161
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,617
−HK$4,521/mo
Today · 4.125%
HK$175,138
baseline
▲ 0.50% · 4.625%
HK$184,370
+HK$9,232/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$350,276/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,557 · Scale 2, in force from 26 Feb 2026)