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$83,065
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,649
−HK$2,625/mo
Today · 4.125%
HK$88,274
baseline
▲ 0.50% · 4.625%
HK$93,646
+HK$5,372/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,548/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,409
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,888
−HK$2,514/mo
Today · 4.125%
HK$97,402
baseline
▲ 0.50% · 4.625%
HK$102,536
+HK$5,134/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,804/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,679
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,779
−HK$3,150/mo
Today · 4.125%
HK$105,929
baseline
▲ 0.50% · 4.625%
HK$112,375
+HK$6,446/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$211,858/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,891
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,865
−HK$3,018/mo
Today · 4.125%
HK$116,883
baseline
▲ 0.50% · 4.625%
HK$123,044
+HK$6,161/mo
Deposit HK$14.57M · loan HK$21.86M · min. income ≈ HK$233,766/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,292
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,909
−HK$3,675/mo
Today · 4.125%
HK$123,584
baseline
▲ 0.50% · 4.625%
HK$131,104
+HK$7,520/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$247,168/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,373
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,843
−HK$3,520/mo
Today · 4.125%
HK$136,363
baseline
▲ 0.50% · 4.625%
HK$143,551
+HK$7,188/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$272,726/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,518
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,169
−HK$4,725/mo
Today · 4.125%
HK$158,894
baseline
▲ 0.50% · 4.625%
HK$168,562
+HK$9,668/mo
Deposit HK$3.64M · loan HK$32.79M · min. income ≈ HK$317,788/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,337
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$170,798
−HK$4,526/mo
Today · 4.125%
HK$175,324
baseline
▲ 0.50% · 4.625%
HK$184,565
+HK$9,241/mo
Deposit HK$3.64M · loan HK$32.79M · min. income ≈ HK$350,648/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,196 · Scale 2, in force from 26 Feb 2026)