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$83,242
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,831
−HK$2,631/mo
Today · 4.125%
HK$88,462
baseline
▲ 0.50% · 4.625%
HK$93,845
+HK$5,383/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,924/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,606
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,090
−HK$2,519/mo
Today · 4.125%
HK$97,609
baseline
▲ 0.50% · 4.625%
HK$102,754
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,218/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,890
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,998
−HK$3,156/mo
Today · 4.125%
HK$106,154
baseline
▲ 0.50% · 4.625%
HK$112,614
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,308/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,127
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,107
−HK$3,024/mo
Today · 4.125%
HK$117,131
baseline
▲ 0.50% · 4.625%
HK$123,305
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,262/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,539
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,164
−HK$3,683/mo
Today · 4.125%
HK$123,847
baseline
▲ 0.50% · 4.625%
HK$131,383
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,694/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,648
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,125
−HK$3,528/mo
Today · 4.125%
HK$136,653
baseline
▲ 0.50% · 4.625%
HK$143,856
+HK$7,203/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,306/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,836
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,496
−HK$4,736/mo
Today · 4.125%
HK$159,232
baseline
▲ 0.50% · 4.625%
HK$168,921
+HK$9,689/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,464/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,691
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,161
−HK$4,535/mo
Today · 4.125%
HK$175,696
baseline
▲ 0.50% · 4.625%
HK$184,958
+HK$9,262/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,392/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,487 · Scale 2, in force from 26 Feb 2026)