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$83,039
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,622
−HK$2,624/mo
Today · 4.125%
HK$88,246
baseline
▲ 0.50% · 4.625%
HK$93,615
+HK$5,369/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,492/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,380
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,857
−HK$2,514/mo
Today · 4.125%
HK$97,371
baseline
▲ 0.50% · 4.625%
HK$102,503
+HK$5,132/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,742/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,646
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,746
−HK$3,149/mo
Today · 4.125%
HK$105,895
baseline
▲ 0.50% · 4.625%
HK$112,338
+HK$6,443/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,790/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,856
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,829
−HK$3,016/mo
Today · 4.125%
HK$116,845
baseline
▲ 0.50% · 4.625%
HK$123,004
+HK$6,159/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,690/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,254
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$119,870
−HK$3,674/mo
Today · 4.125%
HK$123,544
baseline
▲ 0.50% · 4.625%
HK$131,062
+HK$7,518/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,088/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,331
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,800
−HK$3,519/mo
Today · 4.125%
HK$136,319
baseline
▲ 0.50% · 4.625%
HK$143,504
+HK$7,185/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,638/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,469
−HK$9,374/mo
▼ 0.25% · 3.875%
HK$154,119
−HK$4,724/mo
Today · 4.125%
HK$158,843
baseline
▲ 0.50% · 4.625%
HK$168,508
+HK$9,665/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,686/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,283
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$170,743
−HK$4,524/mo
Today · 4.125%
HK$175,267
baseline
▲ 0.50% · 4.625%
HK$184,506
+HK$9,239/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,534/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,695 · Scale 2, in force from 26 Feb 2026)