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$82,979
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,560
−HK$2,622/mo
Today · 4.125%
HK$88,182
baseline
▲ 0.50% · 4.625%
HK$93,548
+HK$5,366/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,364/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,313
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,789
−HK$2,511/mo
Today · 4.125%
HK$97,300
baseline
▲ 0.50% · 4.625%
HK$102,429
+HK$5,129/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,600/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,574
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,672
−HK$3,147/mo
Today · 4.125%
HK$105,819
baseline
▲ 0.50% · 4.625%
HK$112,257
+HK$6,438/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$211,638/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,776
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,746
−HK$3,014/mo
Today · 4.125%
HK$116,760
baseline
▲ 0.50% · 4.625%
HK$122,915
+HK$6,155/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$233,520/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,170
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,784
−HK$3,671/mo
Today · 4.125%
HK$123,455
baseline
▲ 0.50% · 4.625%
HK$130,967
+HK$7,512/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$246,910/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,238
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,704
−HK$3,516/mo
Today · 4.125%
HK$136,220
baseline
▲ 0.50% · 4.625%
HK$143,401
+HK$7,181/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$272,440/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,362
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$154,008
−HK$4,720/mo
Today · 4.125%
HK$158,728
baseline
▲ 0.50% · 4.625%
HK$168,386
+HK$9,658/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$317,456/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,163
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$170,620
−HK$4,521/mo
Today · 4.125%
HK$175,141
baseline
▲ 0.50% · 4.625%
HK$184,372
+HK$9,231/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$350,282/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,578 · Scale 2, in force from 26 Feb 2026)