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$83,134
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,720
−HK$2,627/mo
Today · 4.125%
HK$88,347
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$5,376/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,694/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,486
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,966
−HK$2,516/mo
Today · 4.125%
HK$97,482
baseline
▲ 0.50% · 4.625%
HK$102,621
+HK$5,139/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,964/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,761
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,864
−HK$3,152/mo
Today · 4.125%
HK$106,016
baseline
▲ 0.50% · 4.625%
HK$112,467
+HK$6,451/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$212,032/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,983
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,959
−HK$3,020/mo
Today · 4.125%
HK$116,979
baseline
▲ 0.50% · 4.625%
HK$123,145
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,958/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,387
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,008
−HK$3,678/mo
Today · 4.125%
HK$123,686
baseline
▲ 0.50% · 4.625%
HK$131,212
+HK$7,526/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,372/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,480
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,952
−HK$3,523/mo
Today · 4.125%
HK$136,475
baseline
▲ 0.50% · 4.625%
HK$143,669
+HK$7,194/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,950/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,641
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,296
−HK$4,729/mo
Today · 4.125%
HK$159,025
baseline
▲ 0.50% · 4.625%
HK$168,701
+HK$9,676/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,050/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,474
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,939
−HK$4,529/mo
Today · 4.125%
HK$175,468
baseline
▲ 0.50% · 4.625%
HK$184,717
+HK$9,249/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,936/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,470 · Scale 2, in force from 26 Feb 2026)