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$82,840
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,417
−HK$2,618/mo
Today · 4.125%
HK$88,035
baseline
▲ 0.50% · 4.625%
HK$93,391
+HK$5,356/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$176,070/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,158
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,630
−HK$2,507/mo
Today · 4.125%
HK$97,137
baseline
▲ 0.50% · 4.625%
HK$102,258
+HK$5,121/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,274/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,408
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,500
−HK$3,141/mo
Today · 4.125%
HK$105,641
baseline
▲ 0.50% · 4.625%
HK$112,069
+HK$6,428/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,282/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,590
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,556
−HK$3,009/mo
Today · 4.125%
HK$116,565
baseline
▲ 0.50% · 4.625%
HK$122,709
+HK$6,144/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,130/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,976
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,583
−HK$3,665/mo
Today · 4.125%
HK$123,248
baseline
▲ 0.50% · 4.625%
HK$130,748
+HK$7,500/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,496/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,022
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,482
−HK$3,510/mo
Today · 4.125%
HK$135,992
baseline
▲ 0.50% · 4.625%
HK$143,161
+HK$7,169/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$271,984/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,111
−HK$9,351/mo
▼ 0.25% · 3.875%
HK$153,750
−HK$4,712/mo
Today · 4.125%
HK$158,462
baseline
▲ 0.50% · 4.625%
HK$168,104
+HK$9,642/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$316,924/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,885
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$170,334
−HK$4,513/mo
Today · 4.125%
HK$174,847
baseline
▲ 0.50% · 4.625%
HK$184,064
+HK$9,217/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$349,694/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,988 · Scale 2, in force from 26 Feb 2026)