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$83,209
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,797
−HK$2,630/mo
Today · 4.125%
HK$88,427
baseline
▲ 0.50% · 4.625%
HK$93,808
+HK$5,381/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,854/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,569
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,052
−HK$2,518/mo
Today · 4.125%
HK$97,570
baseline
▲ 0.50% · 4.625%
HK$102,714
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,140/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,851
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,957
−HK$3,155/mo
Today · 4.125%
HK$106,112
baseline
▲ 0.50% · 4.625%
HK$112,569
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$212,224/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,083
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,062
−HK$3,023/mo
Today · 4.125%
HK$117,085
baseline
▲ 0.50% · 4.625%
HK$123,256
+HK$6,171/mo
Deposit HK$14.60M · loan HK$21.89M · min. income ≈ HK$234,170/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,493
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,116
−HK$3,682/mo
Today · 4.125%
HK$123,798
baseline
▲ 0.50% · 4.625%
HK$131,331
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,596/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,597
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,073
−HK$3,526/mo
Today · 4.125%
HK$136,599
baseline
▲ 0.50% · 4.625%
HK$143,799
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,198/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,776
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,435
−HK$4,734/mo
Today · 4.125%
HK$159,169
baseline
▲ 0.50% · 4.625%
HK$168,854
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,338/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,625
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,093
−HK$4,534/mo
Today · 4.125%
HK$175,627
baseline
▲ 0.50% · 4.625%
HK$184,884
+HK$9,257/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,254/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,872 · Scale 2, in force from 26 Feb 2026)