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$82,850
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,427
−HK$2,618/mo
Today · 4.125%
HK$88,045
baseline
▲ 0.50% · 4.625%
HK$93,402
+HK$5,357/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,090/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,169
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,641
−HK$2,508/mo
Today · 4.125%
HK$97,149
baseline
▲ 0.50% · 4.625%
HK$102,270
+HK$5,121/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,298/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,420
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,512
−HK$3,142/mo
Today · 4.125%
HK$105,654
baseline
▲ 0.50% · 4.625%
HK$112,083
+HK$6,429/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,308/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,603
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,570
−HK$3,009/mo
Today · 4.125%
HK$116,579
baseline
▲ 0.50% · 4.625%
HK$122,724
+HK$6,145/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,158/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,989
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,597
−HK$3,666/mo
Today · 4.125%
HK$123,263
baseline
▲ 0.50% · 4.625%
HK$130,763
+HK$7,500/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,526/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,037
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,498
−HK$3,511/mo
Today · 4.125%
HK$136,009
baseline
▲ 0.50% · 4.625%
HK$143,178
+HK$7,169/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$272,018/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,129
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$153,768
−HK$4,713/mo
Today · 4.125%
HK$158,481
baseline
▲ 0.50% · 4.625%
HK$168,124
+HK$9,643/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$316,962/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,905
−HK$8,963/mo
▼ 0.25% · 3.875%
HK$170,354
−HK$4,514/mo
Today · 4.125%
HK$174,868
baseline
▲ 0.50% · 4.625%
HK$184,086
+HK$9,218/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$349,736/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,172 · Scale 2, in force from 26 Feb 2026)