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$82,992
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,574
−HK$2,623/mo
Today · 4.125%
HK$88,197
baseline
▲ 0.50% · 4.625%
HK$93,563
+HK$5,366/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,394/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,328
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,804
−HK$2,512/mo
Today · 4.125%
HK$97,316
baseline
▲ 0.50% · 4.625%
HK$102,446
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,632/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,591
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,689
−HK$3,147/mo
Today · 4.125%
HK$105,836
baseline
▲ 0.50% · 4.625%
HK$112,276
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,672/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,794
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,765
−HK$3,015/mo
Today · 4.125%
HK$116,780
baseline
▲ 0.50% · 4.625%
HK$122,935
+HK$6,155/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,560/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,189
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,803
−HK$3,672/mo
Today · 4.125%
HK$123,475
baseline
▲ 0.50% · 4.625%
HK$130,988
+HK$7,513/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,950/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,259
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,726
−HK$3,517/mo
Today · 4.125%
HK$136,243
baseline
▲ 0.50% · 4.625%
HK$143,424
+HK$7,181/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,486/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,386
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,033
−HK$4,721/mo
Today · 4.125%
HK$158,754
baseline
▲ 0.50% · 4.625%
HK$168,414
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,508/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,191
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$170,648
−HK$4,521/mo
Today · 4.125%
HK$175,169
baseline
▲ 0.50% · 4.625%
HK$184,403
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,338/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,831 · Scale 2, in force from 26 Feb 2026)