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$83,313
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,904
−HK$2,633/mo
Today · 4.125%
HK$88,537
baseline
▲ 0.50% · 4.625%
HK$93,924
+HK$5,387/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,074/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,684
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,170
−HK$2,522/mo
Today · 4.125%
HK$97,692
baseline
▲ 0.50% · 4.625%
HK$102,841
+HK$5,149/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,384/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,975
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,085
−HK$3,159/mo
Today · 4.125%
HK$106,244
baseline
▲ 0.50% · 4.625%
HK$112,709
+HK$6,465/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,488/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,221
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,204
−HK$3,026/mo
Today · 4.125%
HK$117,230
baseline
▲ 0.50% · 4.625%
HK$123,410
+HK$6,180/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,460/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,638
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,266
−HK$3,686/mo
Today · 4.125%
HK$123,952
baseline
▲ 0.50% · 4.625%
HK$131,494
+HK$7,542/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,904/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,758
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,238
−HK$3,531/mo
Today · 4.125%
HK$136,769
baseline
▲ 0.50% · 4.625%
HK$143,978
+HK$7,209/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,538/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,963
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$154,627
−HK$4,740/mo
Today · 4.125%
HK$159,367
baseline
▲ 0.50% · 4.625%
HK$169,064
+HK$9,697/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,734/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,832
−HK$9,013/mo
▼ 0.25% · 3.875%
HK$171,306
−HK$4,539/mo
Today · 4.125%
HK$175,845
baseline
▲ 0.50% · 4.625%
HK$185,114
+HK$9,269/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,690/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,802 · Scale 2, in force from 26 Feb 2026)