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$82,930
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,510
−HK$2,621/mo
Today · 4.125%
HK$88,131
baseline
▲ 0.50% · 4.625%
HK$93,493
+HK$5,362/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,262/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,259
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,733
−HK$2,510/mo
Today · 4.125%
HK$97,243
baseline
▲ 0.50% · 4.625%
HK$102,369
+HK$5,126/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,486/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,516
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,612
−HK$3,145/mo
Today · 4.125%
HK$105,757
baseline
▲ 0.50% · 4.625%
HK$112,192
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,514/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,711
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,680
−HK$3,012/mo
Today · 4.125%
HK$116,692
baseline
▲ 0.50% · 4.625%
HK$122,843
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,384/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,102
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,714
−HK$3,669/mo
Today · 4.125%
HK$123,383
baseline
▲ 0.50% · 4.625%
HK$130,890
+HK$7,507/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,766/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,163
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,627
−HK$3,514/mo
Today · 4.125%
HK$136,141
baseline
▲ 0.50% · 4.625%
HK$143,317
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,282/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,274
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,918
−HK$4,717/mo
Today · 4.125%
HK$158,635
baseline
▲ 0.50% · 4.625%
HK$168,288
+HK$9,653/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,270/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,066
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,520
−HK$4,518/mo
Today · 4.125%
HK$175,038
baseline
▲ 0.50% · 4.625%
HK$184,265
+HK$9,227/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,076/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,673 · Scale 2, in force from 26 Feb 2026)