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$82,824
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,401
−HK$2,617/mo
Today · 4.125%
HK$88,018
baseline
▲ 0.50% · 4.625%
HK$93,374
+HK$5,356/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$176,036/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,141
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,612
−HK$2,507/mo
Today · 4.125%
HK$97,119
baseline
▲ 0.50% · 4.625%
HK$102,239
+HK$5,120/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,238/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,389
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,481
−HK$3,141/mo
Today · 4.125%
HK$105,622
baseline
▲ 0.50% · 4.625%
HK$112,049
+HK$6,427/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$211,244/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,569
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,535
−HK$3,008/mo
Today · 4.125%
HK$116,543
baseline
▲ 0.50% · 4.625%
HK$122,686
+HK$6,143/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$233,086/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,954
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,561
−HK$3,664/mo
Today · 4.125%
HK$123,225
baseline
▲ 0.50% · 4.625%
HK$130,723
+HK$7,498/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,450/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,998
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,457
−HK$3,510/mo
Today · 4.125%
HK$135,967
baseline
▲ 0.50% · 4.625%
HK$143,134
+HK$7,167/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$271,934/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,084
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$153,721
−HK$4,712/mo
Today · 4.125%
HK$158,433
baseline
▲ 0.50% · 4.625%
HK$168,073
+HK$9,640/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$316,866/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,854
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$170,302
−HK$4,513/mo
Today · 4.125%
HK$174,815
baseline
▲ 0.50% · 4.625%
HK$184,030
+HK$9,215/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$349,630/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,701 · Scale 2, in force from 26 Feb 2026)