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$83,386
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,980
−HK$2,635/mo
Today · 4.125%
HK$88,615
baseline
▲ 0.50% · 4.625%
HK$94,007
+HK$5,392/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$177,230/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,766
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,254
−HK$2,524/mo
Today · 4.125%
HK$97,778
baseline
▲ 0.50% · 4.625%
HK$102,932
+HK$5,154/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$195,556/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,063
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,176
−HK$3,162/mo
Today · 4.125%
HK$106,338
baseline
▲ 0.50% · 4.625%
HK$112,808
+HK$6,470/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$212,676/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,319
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,305
−HK$3,029/mo
Today · 4.125%
HK$117,334
baseline
▲ 0.50% · 4.625%
HK$123,518
+HK$6,184/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$234,668/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,740
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,372
−HK$3,689/mo
Today · 4.125%
HK$124,061
baseline
▲ 0.50% · 4.625%
HK$131,610
+HK$7,549/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,122/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,873
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$133,356
−HK$3,533/mo
Today · 4.125%
HK$136,889
baseline
▲ 0.50% · 4.625%
HK$144,105
+HK$7,216/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,778/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,095
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$154,764
−HK$4,743/mo
Today · 4.125%
HK$159,507
baseline
▲ 0.50% · 4.625%
HK$169,213
+HK$9,706/mo
Deposit HK$3.66M · loan HK$32.91M · min. income ≈ HK$319,014/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,979
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$171,457
−HK$4,543/mo
Today · 4.125%
HK$176,000
baseline
▲ 0.50% · 4.625%
HK$185,278
+HK$9,278/mo
Deposit HK$3.66M · loan HK$32.91M · min. income ≈ HK$352,000/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,170 · Scale 2, in force from 26 Feb 2026)