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$82,758
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,615/mo
Today · 4.125%
HK$87,947
baseline
▲ 0.50% · 4.625%
HK$93,299
+HK$5,352/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$175,894/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,067
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,536
−HK$2,505/mo
Today · 4.125%
HK$97,041
baseline
▲ 0.50% · 4.625%
HK$102,156
+HK$5,115/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$194,082/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,309
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,398
−HK$3,139/mo
Today · 4.125%
HK$105,537
baseline
▲ 0.50% · 4.625%
HK$111,958
+HK$6,421/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$211,074/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,480
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,443
−HK$3,006/mo
Today · 4.125%
HK$116,449
baseline
▲ 0.50% · 4.625%
HK$122,588
+HK$6,139/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$232,898/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,861
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,465
−HK$3,661/mo
Today · 4.125%
HK$123,126
baseline
▲ 0.50% · 4.625%
HK$130,618
+HK$7,492/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$246,252/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,894
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,351
−HK$3,507/mo
Today · 4.125%
HK$135,858
baseline
▲ 0.50% · 4.625%
HK$143,019
+HK$7,161/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$271,716/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,964
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$153,597
−HK$4,708/mo
Today · 4.125%
HK$158,305
baseline
▲ 0.50% · 4.625%
HK$167,938
+HK$9,633/mo
Deposit HK$3.63M · loan HK$32.66M · min. income ≈ HK$316,610/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,721
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$170,165
−HK$4,509/mo
Today · 4.125%
HK$174,674
baseline
▲ 0.50% · 4.625%
HK$183,881
+HK$9,207/mo
Deposit HK$3.63M · loan HK$32.66M · min. income ≈ HK$349,348/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,458 · Scale 2, in force from 26 Feb 2026)