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$83,181
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,768
−HK$2,629/mo
Today · 4.125%
HK$88,397
baseline
▲ 0.50% · 4.625%
HK$93,776
+HK$5,379/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,794/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,538
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,020
−HK$2,517/mo
Today · 4.125%
HK$97,537
baseline
▲ 0.50% · 4.625%
HK$102,679
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,074/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,817
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,922
−HK$3,154/mo
Today · 4.125%
HK$106,076
baseline
▲ 0.50% · 4.625%
HK$112,531
+HK$6,455/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,152/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,045
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,024
−HK$3,021/mo
Today · 4.125%
HK$117,045
baseline
▲ 0.50% · 4.625%
HK$123,215
+HK$6,170/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,090/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,453
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,076
−HK$3,680/mo
Today · 4.125%
HK$123,756
baseline
▲ 0.50% · 4.625%
HK$131,286
+HK$7,530/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$247,512/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,553
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,028
−HK$3,524/mo
Today · 4.125%
HK$136,552
baseline
▲ 0.50% · 4.625%
HK$143,750
+HK$7,198/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$273,104/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,726
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,383
−HK$4,732/mo
Today · 4.125%
HK$159,115
baseline
▲ 0.50% · 4.625%
HK$168,796
+HK$9,681/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,230/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,568
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,035
−HK$4,532/mo
Today · 4.125%
HK$175,567
baseline
▲ 0.50% · 4.625%
HK$184,822
+HK$9,255/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,134/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,347 · Scale 2, in force from 26 Feb 2026)