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$82,806
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,382
−HK$2,617/mo
Today · 4.125%
HK$87,999
baseline
▲ 0.50% · 4.625%
HK$93,353
+HK$5,354/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$175,998/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,121
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,592
−HK$2,506/mo
Today · 4.125%
HK$97,098
baseline
▲ 0.50% · 4.625%
HK$102,216
+HK$5,118/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,196/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,367
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,458
−HK$3,141/mo
Today · 4.125%
HK$105,599
baseline
▲ 0.50% · 4.625%
HK$112,024
+HK$6,425/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$211,198/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,545
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,510
−HK$3,008/mo
Today · 4.125%
HK$116,518
baseline
▲ 0.50% · 4.625%
HK$122,660
+HK$6,142/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$233,036/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,929
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,535
−HK$3,663/mo
Today · 4.125%
HK$123,198
baseline
▲ 0.50% · 4.625%
HK$130,695
+HK$7,497/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$246,396/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,970
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,428
−HK$3,509/mo
Today · 4.125%
HK$135,937
baseline
▲ 0.50% · 4.625%
HK$143,103
+HK$7,166/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$271,874/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,051
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$153,688
−HK$4,710/mo
Today · 4.125%
HK$158,398
baseline
▲ 0.50% · 4.625%
HK$168,036
+HK$9,638/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$316,796/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,818
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,265
−HK$4,512/mo
Today · 4.125%
HK$174,777
baseline
▲ 0.50% · 4.625%
HK$183,989
+HK$9,212/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$349,554/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,364 · Scale 2, in force from 26 Feb 2026)