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$83,122
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,708
−HK$2,627/mo
Today · 4.125%
HK$88,335
baseline
▲ 0.50% · 4.625%
HK$93,710
+HK$5,375/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,670/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,473
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,953
−HK$2,516/mo
Today · 4.125%
HK$97,469
baseline
▲ 0.50% · 4.625%
HK$102,606
+HK$5,137/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,938/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,747
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,849
−HK$3,153/mo
Today · 4.125%
HK$106,002
baseline
▲ 0.50% · 4.625%
HK$112,451
+HK$6,449/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$212,004/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,967
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,943
−HK$3,019/mo
Today · 4.125%
HK$116,962
baseline
▲ 0.50% · 4.625%
HK$123,128
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,924/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,371
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,991
−HK$3,677/mo
Today · 4.125%
HK$123,668
baseline
▲ 0.50% · 4.625%
HK$131,193
+HK$7,525/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,336/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,462
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,934
−HK$3,522/mo
Today · 4.125%
HK$136,456
baseline
▲ 0.50% · 4.625%
HK$143,649
+HK$7,193/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,912/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,620
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$154,274
−HK$4,728/mo
Today · 4.125%
HK$159,002
baseline
▲ 0.50% · 4.625%
HK$168,677
+HK$9,675/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,004/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,451
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,915
−HK$4,528/mo
Today · 4.125%
HK$175,443
baseline
▲ 0.50% · 4.625%
HK$184,691
+HK$9,248/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,886/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,252 · Scale 2, in force from 26 Feb 2026)