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$82,995
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,577
−HK$2,623/mo
Today · 4.125%
HK$88,200
baseline
▲ 0.50% · 4.625%
HK$93,567
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,400/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,331
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,808
−HK$2,512/mo
Today · 4.125%
HK$97,320
baseline
▲ 0.50% · 4.625%
HK$102,450
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,640/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,594
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,692
−HK$3,148/mo
Today · 4.125%
HK$105,840
baseline
▲ 0.50% · 4.625%
HK$112,280
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,680/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,798
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,769
−HK$3,015/mo
Today · 4.125%
HK$116,784
baseline
▲ 0.50% · 4.625%
HK$122,940
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,568/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,193
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,808
−HK$3,672/mo
Today · 4.125%
HK$123,480
baseline
▲ 0.50% · 4.625%
HK$130,993
+HK$7,513/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,960/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,264
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,731
−HK$3,517/mo
Today · 4.125%
HK$136,248
baseline
▲ 0.50% · 4.625%
HK$143,430
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,496/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,392
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,039
−HK$4,721/mo
Today · 4.125%
HK$158,760
baseline
▲ 0.50% · 4.625%
HK$168,420
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,520/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,197
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,654
−HK$4,522/mo
Today · 4.125%
HK$175,176
baseline
▲ 0.50% · 4.625%
HK$184,409
+HK$9,233/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,352/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,888 · Scale 2, in force from 26 Feb 2026)