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$82,805
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,381
−HK$2,617/mo
Today · 4.125%
HK$87,998
baseline
▲ 0.50% · 4.625%
HK$93,353
+HK$5,355/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$175,996/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,120
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,591
−HK$2,506/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$102,215
+HK$5,118/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,367
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,457
−HK$3,141/mo
Today · 4.125%
HK$105,598
baseline
▲ 0.50% · 4.625%
HK$112,023
+HK$6,425/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$211,196/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,544
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,509
−HK$3,008/mo
Today · 4.125%
HK$116,517
baseline
▲ 0.50% · 4.625%
HK$122,658
+HK$6,141/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$233,034/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,928
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,534
−HK$3,663/mo
Today · 4.125%
HK$123,197
baseline
▲ 0.50% · 4.625%
HK$130,694
+HK$7,497/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$246,394/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,968
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,427
−HK$3,509/mo
Today · 4.125%
HK$135,936
baseline
▲ 0.50% · 4.625%
HK$143,101
+HK$7,165/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$271,872/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,050
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$153,686
−HK$4,711/mo
Today · 4.125%
HK$158,397
baseline
▲ 0.50% · 4.625%
HK$168,035
+HK$9,638/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$316,794/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,816
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,264
−HK$4,511/mo
Today · 4.125%
HK$174,775
baseline
▲ 0.50% · 4.625%
HK$183,988
+HK$9,213/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$349,550/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,350 · Scale 2, in force from 26 Feb 2026)