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$83,040
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,623
−HK$2,625/mo
Today · 4.125%
HK$88,248
baseline
▲ 0.50% · 4.625%
HK$93,617
+HK$5,369/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,496/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,382
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,859
−HK$2,514/mo
Today · 4.125%
HK$97,373
baseline
▲ 0.50% · 4.625%
HK$102,505
+HK$5,132/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,746/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,649
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,748
−HK$3,149/mo
Today · 4.125%
HK$105,897
baseline
▲ 0.50% · 4.625%
HK$112,341
+HK$6,444/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,794/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,858
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,831
−HK$3,016/mo
Today · 4.125%
HK$116,847
baseline
▲ 0.50% · 4.625%
HK$123,007
+HK$6,160/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,694/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,257
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$119,873
−HK$3,674/mo
Today · 4.125%
HK$123,547
baseline
▲ 0.50% · 4.625%
HK$131,064
+HK$7,517/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$247,094/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,334
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,803
−HK$3,519/mo
Today · 4.125%
HK$136,322
baseline
▲ 0.50% · 4.625%
HK$143,508
+HK$7,186/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$272,644/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,473
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$154,122
−HK$4,724/mo
Today · 4.125%
HK$158,846
baseline
▲ 0.50% · 4.625%
HK$168,511
+HK$9,665/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,692/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,287
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$170,747
−HK$4,524/mo
Today · 4.125%
HK$175,271
baseline
▲ 0.50% · 4.625%
HK$184,510
+HK$9,239/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,542/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,730 · Scale 2, in force from 26 Feb 2026)