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$83,101
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,686
−HK$2,626/mo
Today · 4.125%
HK$88,312
baseline
▲ 0.50% · 4.625%
HK$93,686
+HK$5,374/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,624/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,449
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,515/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$102,580
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,721
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,823
−HK$3,152/mo
Today · 4.125%
HK$105,975
baseline
▲ 0.50% · 4.625%
HK$112,423
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,950/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,939
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,914
−HK$3,019/mo
Today · 4.125%
HK$116,933
baseline
▲ 0.50% · 4.625%
HK$123,097
+HK$6,164/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,866/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,342
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,961
−HK$3,676/mo
Today · 4.125%
HK$123,637
baseline
▲ 0.50% · 4.625%
HK$131,160
+HK$7,523/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,274/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,429
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,900
−HK$3,522/mo
Today · 4.125%
HK$136,422
baseline
▲ 0.50% · 4.625%
HK$143,613
+HK$7,191/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,844/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,582
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$154,235
−HK$4,727/mo
Today · 4.125%
HK$158,962
baseline
▲ 0.50% · 4.625%
HK$168,635
+HK$9,673/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,924/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,409
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$170,872
−HK$4,527/mo
Today · 4.125%
HK$175,399
baseline
▲ 0.50% · 4.625%
HK$184,645
+HK$9,246/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,798/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,862 · Scale 2, in force from 26 Feb 2026)