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$83,281
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,871
−HK$2,632/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,888
+HK$5,385/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,649
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,134
−HK$2,520/mo
Today · 4.125%
HK$97,654
baseline
▲ 0.50% · 4.625%
HK$102,802
+HK$5,148/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,308/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,937
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,045
−HK$3,159/mo
Today · 4.125%
HK$106,204
baseline
▲ 0.50% · 4.625%
HK$112,666
+HK$6,462/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,408/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,178
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,160
−HK$3,025/mo
Today · 4.125%
HK$117,185
baseline
▲ 0.50% · 4.625%
HK$123,362
+HK$6,177/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,370/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,593
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,219
−HK$3,685/mo
Today · 4.125%
HK$123,904
baseline
▲ 0.50% · 4.625%
HK$131,443
+HK$7,539/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,808/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,708
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,187
−HK$3,529/mo
Today · 4.125%
HK$136,716
baseline
▲ 0.50% · 4.625%
HK$143,922
+HK$7,206/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,432/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,905
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$154,568
−HK$4,737/mo
Today · 4.125%
HK$159,305
baseline
▲ 0.50% · 4.625%
HK$168,999
+HK$9,694/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,610/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,768
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$171,240
−HK$4,538/mo
Today · 4.125%
HK$175,778
baseline
▲ 0.50% · 4.625%
HK$185,043
+HK$9,265/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,556/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,204 · Scale 2, in force from 26 Feb 2026)