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$83,054
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,638
−HK$2,625/mo
Today · 4.125%
HK$88,263
baseline
▲ 0.50% · 4.625%
HK$93,633
+HK$5,370/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,526/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,397
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,875
−HK$2,514/mo
Today · 4.125%
HK$97,389
baseline
▲ 0.50% · 4.625%
HK$102,523
+HK$5,134/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,778/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,665
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,765
−HK$3,150/mo
Today · 4.125%
HK$105,915
baseline
▲ 0.50% · 4.625%
HK$112,360
+HK$6,445/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,830/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,877
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,850
−HK$3,017/mo
Today · 4.125%
HK$116,867
baseline
▲ 0.50% · 4.625%
HK$123,027
+HK$6,160/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,734/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,276
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,893
−HK$3,675/mo
Today · 4.125%
HK$123,568
baseline
▲ 0.50% · 4.625%
HK$131,086
+HK$7,518/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$247,136/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,356
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,825
−HK$3,520/mo
Today · 4.125%
HK$136,345
baseline
▲ 0.50% · 4.625%
HK$143,532
+HK$7,187/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$272,690/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,498
−HK$9,375/mo
▼ 0.25% · 3.875%
HK$154,148
−HK$4,725/mo
Today · 4.125%
HK$158,873
baseline
▲ 0.50% · 4.625%
HK$168,540
+HK$9,667/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,746/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,315
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$170,775
−HK$4,525/mo
Today · 4.125%
HK$175,300
baseline
▲ 0.50% · 4.625%
HK$184,541
+HK$9,241/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,600/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,989 · Scale 2, in force from 26 Feb 2026)