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$82,848
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,425
−HK$2,619/mo
Today · 4.125%
HK$88,044
baseline
▲ 0.50% · 4.625%
HK$93,401
+HK$5,357/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,088/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,168
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,640
−HK$2,507/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$102,268
+HK$5,121/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,510
−HK$3,142/mo
Today · 4.125%
HK$105,652
baseline
▲ 0.50% · 4.625%
HK$112,081
+HK$6,429/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,304/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,601
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,568
−HK$3,009/mo
Today · 4.125%
HK$116,577
baseline
▲ 0.50% · 4.625%
HK$122,722
+HK$6,145/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,154/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,988
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,595
−HK$3,666/mo
Today · 4.125%
HK$123,261
baseline
▲ 0.50% · 4.625%
HK$130,761
+HK$7,500/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,522/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,035
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,496
−HK$3,510/mo
Today · 4.125%
HK$136,006
baseline
▲ 0.50% · 4.625%
HK$143,175
+HK$7,169/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$272,012/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,127
−HK$9,351/mo
▼ 0.25% · 3.875%
HK$153,766
−HK$4,712/mo
Today · 4.125%
HK$158,478
baseline
▲ 0.50% · 4.625%
HK$168,121
+HK$9,643/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$316,956/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,902
−HK$8,963/mo
▼ 0.25% · 3.875%
HK$170,352
−HK$4,513/mo
Today · 4.125%
HK$174,865
baseline
▲ 0.50% · 4.625%
HK$184,083
+HK$9,218/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$349,730/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,147 · Scale 2, in force from 26 Feb 2026)