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$83,270
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,860
−HK$2,632/mo
Today · 4.125%
HK$88,492
baseline
▲ 0.50% · 4.625%
HK$93,876
+HK$5,384/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,984/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,637
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,122
−HK$2,520/mo
Today · 4.125%
HK$97,642
baseline
▲ 0.50% · 4.625%
HK$102,789
+HK$5,147/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,284/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,924
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,032
−HK$3,158/mo
Today · 4.125%
HK$106,190
baseline
▲ 0.50% · 4.625%
HK$112,652
+HK$6,462/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,380/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,165
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,146
−HK$3,024/mo
Today · 4.125%
HK$117,170
baseline
▲ 0.50% · 4.625%
HK$123,347
+HK$6,177/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,340/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,578
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,204
−HK$3,685/mo
Today · 4.125%
HK$123,889
baseline
▲ 0.50% · 4.625%
HK$131,427
+HK$7,538/mo
Deposit HK$10.96M · loan HK$25.56M · min. income ≈ HK$247,778/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,692
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,170
−HK$3,529/mo
Today · 4.125%
HK$136,699
baseline
▲ 0.50% · 4.625%
HK$143,904
+HK$7,205/mo
Deposit HK$10.96M · loan HK$25.56M · min. income ≈ HK$273,398/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,886
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$154,548
−HK$4,737/mo
Today · 4.125%
HK$159,285
baseline
▲ 0.50% · 4.625%
HK$168,977
+HK$9,692/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,570/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,747
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$171,219
−HK$4,537/mo
Today · 4.125%
HK$175,756
baseline
▲ 0.50% · 4.625%
HK$185,020
+HK$9,264/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,512/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,009 · Scale 2, in force from 26 Feb 2026)