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$83,066
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,650
−HK$2,625/mo
Today · 4.125%
HK$88,275
baseline
▲ 0.50% · 4.625%
HK$93,647
+HK$5,372/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,550/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,410
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,889
−HK$2,514/mo
Today · 4.125%
HK$97,403
baseline
▲ 0.50% · 4.625%
HK$102,537
+HK$5,134/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,806/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,680
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,780
−HK$3,150/mo
Today · 4.125%
HK$105,930
baseline
▲ 0.50% · 4.625%
HK$112,376
+HK$6,446/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$211,860/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,892
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,867
−HK$3,017/mo
Today · 4.125%
HK$116,884
baseline
▲ 0.50% · 4.625%
HK$123,045
+HK$6,161/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$233,768/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,293
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,910
−HK$3,675/mo
Today · 4.125%
HK$123,585
baseline
▲ 0.50% · 4.625%
HK$131,105
+HK$7,520/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$247,170/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,375
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,844
−HK$3,520/mo
Today · 4.125%
HK$136,364
baseline
▲ 0.50% · 4.625%
HK$143,552
+HK$7,188/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$272,728/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,519
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,170
−HK$4,725/mo
Today · 4.125%
HK$158,895
baseline
▲ 0.50% · 4.625%
HK$168,564
+HK$9,669/mo
Deposit HK$3.64M · loan HK$32.79M · min. income ≈ HK$317,790/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,339
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$170,800
−HK$4,525/mo
Today · 4.125%
HK$175,325
baseline
▲ 0.50% · 4.625%
HK$184,567
+HK$9,242/mo
Deposit HK$3.64M · loan HK$32.79M · min. income ≈ HK$350,650/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,211 · Scale 2, in force from 26 Feb 2026)