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$83,462
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,638/mo
Today · 4.125%
HK$88,696
baseline
▲ 0.50% · 4.625%
HK$94,093
+HK$5,397/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,392/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,851
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,341
−HK$2,526/mo
Today · 4.125%
HK$97,867
baseline
▲ 0.50% · 4.625%
HK$103,026
+HK$5,159/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,734/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,155
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,270
−HK$3,165/mo
Today · 4.125%
HK$106,435
baseline
▲ 0.50% · 4.625%
HK$112,912
+HK$6,477/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,870/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,421
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,409
−HK$3,032/mo
Today · 4.125%
HK$117,441
baseline
▲ 0.50% · 4.625%
HK$123,631
+HK$6,190/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,882/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,847
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,482
−HK$3,693/mo
Today · 4.125%
HK$124,175
baseline
▲ 0.50% · 4.625%
HK$131,730
+HK$7,555/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,350/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,991
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,478
−HK$3,536/mo
Today · 4.125%
HK$137,014
baseline
▲ 0.50% · 4.625%
HK$144,237
+HK$7,223/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$274,028/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,232
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$154,905
−HK$4,748/mo
Today · 4.125%
HK$159,653
baseline
▲ 0.50% · 4.625%
HK$169,368
+HK$9,715/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$319,306/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,132
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$171,614
−HK$4,547/mo
Today · 4.125%
HK$176,161
baseline
▲ 0.50% · 4.625%
HK$185,447
+HK$9,286/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$352,322/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,592 · Scale 2, in force from 26 Feb 2026)