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$82,924
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,504
−HK$2,621/mo
Today · 4.125%
HK$88,125
baseline
▲ 0.50% · 4.625%
HK$93,487
+HK$5,362/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,250/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,253
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,727
−HK$2,510/mo
Today · 4.125%
HK$97,237
baseline
▲ 0.50% · 4.625%
HK$102,362
+HK$5,125/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,474/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,605
−HK$3,144/mo
Today · 4.125%
HK$105,749
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,498/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,703
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,672
−HK$3,012/mo
Today · 4.125%
HK$116,684
baseline
▲ 0.50% · 4.625%
HK$122,835
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,368/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,094
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$119,705
−HK$3,669/mo
Today · 4.125%
HK$123,374
baseline
▲ 0.50% · 4.625%
HK$130,881
+HK$7,507/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,748/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,154
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,617
−HK$3,514/mo
Today · 4.125%
HK$136,131
baseline
▲ 0.50% · 4.625%
HK$143,307
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,262/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,264
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$153,907
−HK$4,717/mo
Today · 4.125%
HK$158,624
baseline
▲ 0.50% · 4.625%
HK$168,276
+HK$9,652/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,248/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,055
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$170,508
−HK$4,518/mo
Today · 4.125%
HK$175,026
baseline
▲ 0.50% · 4.625%
HK$184,252
+HK$9,226/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,052/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,567 · Scale 2, in force from 26 Feb 2026)