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$82,812
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,388
−HK$2,617/mo
Today · 4.125%
HK$88,005
baseline
▲ 0.50% · 4.625%
HK$93,360
+HK$5,355/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$176,010/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,127
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,598
−HK$2,507/mo
Today · 4.125%
HK$97,105
baseline
▲ 0.50% · 4.625%
HK$102,223
+HK$5,118/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,210/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,374
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,465
−HK$3,141/mo
Today · 4.125%
HK$105,606
baseline
▲ 0.50% · 4.625%
HK$112,032
+HK$6,426/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$211,212/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,553
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,518
−HK$3,008/mo
Today · 4.125%
HK$116,526
baseline
▲ 0.50% · 4.625%
HK$122,668
+HK$6,142/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$233,052/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,937
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,543
−HK$3,664/mo
Today · 4.125%
HK$123,207
baseline
▲ 0.50% · 4.625%
HK$130,704
+HK$7,497/mo
Deposit HK$10.90M · loan HK$25.42M · min. income ≈ HK$246,414/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,978
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,438
−HK$3,509/mo
Today · 4.125%
HK$135,947
baseline
▲ 0.50% · 4.625%
HK$143,113
+HK$7,166/mo
Deposit HK$10.90M · loan HK$25.42M · min. income ≈ HK$271,894/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,061
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,698
−HK$4,711/mo
Today · 4.125%
HK$158,409
baseline
▲ 0.50% · 4.625%
HK$168,048
+HK$9,639/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$316,818/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,829
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$170,277
−HK$4,512/mo
Today · 4.125%
HK$174,789
baseline
▲ 0.50% · 4.625%
HK$184,002
+HK$9,213/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$349,578/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,471 · Scale 2, in force from 26 Feb 2026)