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$83,062
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,646
−HK$2,625/mo
Today · 4.125%
HK$88,271
baseline
▲ 0.50% · 4.625%
HK$93,642
+HK$5,371/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,542/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,406
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,884
−HK$2,514/mo
Today · 4.125%
HK$97,398
baseline
▲ 0.50% · 4.625%
HK$102,532
+HK$5,134/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,796/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,674
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,775
−HK$3,150/mo
Today · 4.125%
HK$105,925
baseline
▲ 0.50% · 4.625%
HK$112,370
+HK$6,445/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$211,850/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,887
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,861
−HK$3,017/mo
Today · 4.125%
HK$116,878
baseline
▲ 0.50% · 4.625%
HK$123,039
+HK$6,161/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$233,756/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,287
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,904
−HK$3,675/mo
Today · 4.125%
HK$123,579
baseline
▲ 0.50% · 4.625%
HK$131,099
+HK$7,520/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$247,158/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,368
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,838
−HK$3,519/mo
Today · 4.125%
HK$136,357
baseline
▲ 0.50% · 4.625%
HK$143,545
+HK$7,188/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$272,714/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,512
−HK$9,375/mo
▼ 0.25% · 3.875%
HK$154,162
−HK$4,725/mo
Today · 4.125%
HK$158,887
baseline
▲ 0.50% · 4.625%
HK$168,555
+HK$9,668/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,774/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,330
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$170,791
−HK$4,526/mo
Today · 4.125%
HK$175,317
baseline
▲ 0.50% · 4.625%
HK$184,558
+HK$9,241/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,634/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,132 · Scale 2, in force from 26 Feb 2026)