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$83,117
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,702
−HK$2,627/mo
Today · 4.125%
HK$88,329
baseline
▲ 0.50% · 4.625%
HK$93,703
+HK$5,374/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,658/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,466
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,946
−HK$2,516/mo
Today · 4.125%
HK$97,462
baseline
▲ 0.50% · 4.625%
HK$102,599
+HK$5,137/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,924/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,740
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,842
−HK$3,153/mo
Today · 4.125%
HK$105,995
baseline
▲ 0.50% · 4.625%
HK$112,444
+HK$6,449/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,990/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,960
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,936
−HK$3,019/mo
Today · 4.125%
HK$116,955
baseline
▲ 0.50% · 4.625%
HK$123,119
+HK$6,164/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,910/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,363
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,983
−HK$3,677/mo
Today · 4.125%
HK$123,660
baseline
▲ 0.50% · 4.625%
HK$131,185
+HK$7,525/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,320/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,453
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,925
−HK$3,522/mo
Today · 4.125%
HK$136,447
baseline
▲ 0.50% · 4.625%
HK$143,639
+HK$7,192/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,894/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,610
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$154,264
−HK$4,728/mo
Today · 4.125%
HK$158,992
baseline
▲ 0.50% · 4.625%
HK$168,666
+HK$9,674/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$317,984/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,440
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,903
−HK$4,529/mo
Today · 4.125%
HK$175,432
baseline
▲ 0.50% · 4.625%
HK$184,679
+HK$9,247/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,864/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,150 · Scale 2, in force from 26 Feb 2026)