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$83,199
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,787
−HK$2,630/mo
Today · 4.125%
HK$88,417
baseline
▲ 0.50% · 4.625%
HK$93,797
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,834/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,559
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,041
−HK$2,518/mo
Today · 4.125%
HK$97,559
baseline
▲ 0.50% · 4.625%
HK$102,702
+HK$5,143/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,118/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,839
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,945
−HK$3,155/mo
Today · 4.125%
HK$106,100
baseline
▲ 0.50% · 4.625%
HK$112,556
+HK$6,456/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,200/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,070
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,049
−HK$3,022/mo
Today · 4.125%
HK$117,071
baseline
▲ 0.50% · 4.625%
HK$123,242
+HK$6,171/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,142/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,479
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,102
−HK$3,681/mo
Today · 4.125%
HK$123,783
baseline
▲ 0.50% · 4.625%
HK$131,315
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,566/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,582
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,057
−HK$3,526/mo
Today · 4.125%
HK$136,583
baseline
▲ 0.50% · 4.625%
HK$143,782
+HK$7,199/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,166/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,759
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,417
−HK$4,733/mo
Today · 4.125%
HK$159,150
baseline
▲ 0.50% · 4.625%
HK$168,834
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,300/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,605
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,074
−HK$4,532/mo
Today · 4.125%
HK$175,606
baseline
▲ 0.50% · 4.625%
HK$184,863
+HK$9,257/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,212/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,692 · Scale 2, in force from 26 Feb 2026)