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$83,003
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,585
−HK$2,623/mo
Today · 4.125%
HK$88,208
baseline
▲ 0.50% · 4.625%
HK$93,575
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,416/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,340
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,816
−HK$2,513/mo
Today · 4.125%
HK$97,329
baseline
▲ 0.50% · 4.625%
HK$102,459
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,658/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,603
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,702
−HK$3,147/mo
Today · 4.125%
HK$105,849
baseline
▲ 0.50% · 4.625%
HK$112,290
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,698/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,808
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,780
−HK$3,014/mo
Today · 4.125%
HK$116,794
baseline
▲ 0.50% · 4.625%
HK$122,951
+HK$6,157/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,588/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,204
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,819
−HK$3,672/mo
Today · 4.125%
HK$123,491
baseline
▲ 0.50% · 4.625%
HK$131,005
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,982/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,276
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,743
−HK$3,517/mo
Today · 4.125%
HK$136,260
baseline
▲ 0.50% · 4.625%
HK$143,443
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,520/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,405
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,052
−HK$4,722/mo
Today · 4.125%
HK$158,774
baseline
▲ 0.50% · 4.625%
HK$168,435
+HK$9,661/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,548/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,212
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,669
−HK$4,523/mo
Today · 4.125%
HK$175,192
baseline
▲ 0.50% · 4.625%
HK$184,426
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,384/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,028 · Scale 2, in force from 26 Feb 2026)