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$83,206
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,629/mo
Today · 4.125%
HK$88,424
baseline
▲ 0.50% · 4.625%
HK$93,805
+HK$5,381/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,848/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,566
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,049
−HK$2,518/mo
Today · 4.125%
HK$97,567
baseline
▲ 0.50% · 4.625%
HK$102,710
+HK$5,143/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,134/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,848
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,954
−HK$3,155/mo
Today · 4.125%
HK$106,109
baseline
▲ 0.50% · 4.625%
HK$112,566
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$212,218/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,080
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,059
−HK$3,022/mo
Today · 4.125%
HK$117,081
baseline
▲ 0.50% · 4.625%
HK$123,252
+HK$6,171/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$234,162/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,489
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,113
−HK$3,681/mo
Today · 4.125%
HK$123,794
baseline
▲ 0.50% · 4.625%
HK$131,327
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,588/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,593
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,069
−HK$3,525/mo
Today · 4.125%
HK$136,594
baseline
▲ 0.50% · 4.625%
HK$143,794
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,188/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,772
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,430
−HK$4,734/mo
Today · 4.125%
HK$159,164
baseline
▲ 0.50% · 4.625%
HK$168,848
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,328/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,619
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,088
−HK$4,533/mo
Today · 4.125%
HK$175,621
baseline
▲ 0.50% · 4.625%
HK$184,879
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,242/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,824 · Scale 2, in force from 26 Feb 2026)