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$82,992
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,574
−HK$2,622/mo
Today · 4.125%
HK$88,196
baseline
▲ 0.50% · 4.625%
HK$93,563
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,392/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,328
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,804
−HK$2,512/mo
Today · 4.125%
HK$97,316
baseline
▲ 0.50% · 4.625%
HK$102,446
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,632/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,590
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,688
−HK$3,148/mo
Today · 4.125%
HK$105,836
baseline
▲ 0.50% · 4.625%
HK$112,276
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,672/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,793
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,765
−HK$3,014/mo
Today · 4.125%
HK$116,779
baseline
▲ 0.50% · 4.625%
HK$122,935
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,558/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,189
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,803
−HK$3,672/mo
Today · 4.125%
HK$123,475
baseline
▲ 0.50% · 4.625%
HK$130,988
+HK$7,513/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,950/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,259
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,726
−HK$3,516/mo
Today · 4.125%
HK$136,242
baseline
▲ 0.50% · 4.625%
HK$143,424
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,484/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,386
−HK$9,367/mo
▼ 0.25% · 3.875%
HK$154,032
−HK$4,721/mo
Today · 4.125%
HK$158,753
baseline
▲ 0.50% · 4.625%
HK$168,413
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,506/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,190
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,647
−HK$4,522/mo
Today · 4.125%
HK$175,169
baseline
▲ 0.50% · 4.625%
HK$184,402
+HK$9,233/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,338/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,827 · Scale 2, in force from 26 Feb 2026)