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$83,303
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,894
−HK$2,632/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,913
+HK$5,387/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,673
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,159
−HK$2,521/mo
Today · 4.125%
HK$97,680
baseline
▲ 0.50% · 4.625%
HK$102,829
+HK$5,149/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,360/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,963
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,073
−HK$3,159/mo
Today · 4.125%
HK$106,232
baseline
▲ 0.50% · 4.625%
HK$112,696
+HK$6,464/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,464/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,208
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,191
−HK$3,025/mo
Today · 4.125%
HK$117,216
baseline
▲ 0.50% · 4.625%
HK$123,395
+HK$6,179/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,432/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,624
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$120,251
−HK$3,686/mo
Today · 4.125%
HK$123,937
baseline
▲ 0.50% · 4.625%
HK$131,478
+HK$7,541/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,874/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,743
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,222
−HK$3,530/mo
Today · 4.125%
HK$136,752
baseline
▲ 0.50% · 4.625%
HK$143,961
+HK$7,209/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,504/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,945
−HK$9,403/mo
▼ 0.25% · 3.875%
HK$154,609
−HK$4,739/mo
Today · 4.125%
HK$159,348
baseline
▲ 0.50% · 4.625%
HK$169,043
+HK$9,695/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,696/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,812
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$171,286
−HK$4,538/mo
Today · 4.125%
HK$175,824
baseline
▲ 0.50% · 4.625%
HK$185,092
+HK$9,268/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,648/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,616 · Scale 2, in force from 26 Feb 2026)