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$83,174
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,762
−HK$2,628/mo
Today · 4.125%
HK$88,390
baseline
▲ 0.50% · 4.625%
HK$93,769
+HK$5,379/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,780/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,531
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,012
−HK$2,518/mo
Today · 4.125%
HK$97,530
baseline
▲ 0.50% · 4.625%
HK$102,671
+HK$5,141/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,060/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,809
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,914
−HK$3,154/mo
Today · 4.125%
HK$106,068
baseline
▲ 0.50% · 4.625%
HK$112,522
+HK$6,454/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,136/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,037
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,015
−HK$3,021/mo
Today · 4.125%
HK$117,036
baseline
▲ 0.50% · 4.625%
HK$123,205
+HK$6,169/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,072/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,444
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,066
−HK$3,680/mo
Today · 4.125%
HK$123,746
baseline
▲ 0.50% · 4.625%
HK$131,276
+HK$7,530/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,492/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,543
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,017
−HK$3,525/mo
Today · 4.125%
HK$136,542
baseline
▲ 0.50% · 4.625%
HK$143,739
+HK$7,197/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,084/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,714
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$154,371
−HK$4,731/mo
Today · 4.125%
HK$159,102
baseline
▲ 0.50% · 4.625%
HK$168,783
+HK$9,681/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,204/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,555
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,022
−HK$4,532/mo
Today · 4.125%
HK$175,554
baseline
▲ 0.50% · 4.625%
HK$184,807
+HK$9,253/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,108/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,226 · Scale 2, in force from 26 Feb 2026)