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$82,910
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,489
−HK$2,620/mo
Today · 4.125%
HK$88,109
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$5,361/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,218/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,510/mo
Today · 4.125%
HK$97,220
baseline
▲ 0.50% · 4.625%
HK$102,344
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,440/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,492
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,587
−HK$3,144/mo
Today · 4.125%
HK$105,731
baseline
▲ 0.50% · 4.625%
HK$112,164
+HK$6,433/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$211,462/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,684
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,652
−HK$3,012/mo
Today · 4.125%
HK$116,664
baseline
▲ 0.50% · 4.625%
HK$122,813
+HK$6,149/mo
Deposit HK$14.54M · loan HK$21.82M · min. income ≈ HK$233,328/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,074
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,684
−HK$3,669/mo
Today · 4.125%
HK$123,353
baseline
▲ 0.50% · 4.625%
HK$130,859
+HK$7,506/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,706/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,131
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,594
−HK$3,514/mo
Today · 4.125%
HK$136,108
baseline
▲ 0.50% · 4.625%
HK$143,282
+HK$7,174/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,216/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,238
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$153,880
−HK$4,716/mo
Today · 4.125%
HK$158,596
baseline
▲ 0.50% · 4.625%
HK$168,247
+HK$9,651/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,192/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,026
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,478
−HK$4,518/mo
Today · 4.125%
HK$174,996
baseline
▲ 0.50% · 4.625%
HK$184,220
+HK$9,224/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,992/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,297 · Scale 2, in force from 26 Feb 2026)