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$82,890
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,468
−HK$2,620/mo
Today · 4.125%
HK$88,088
baseline
▲ 0.50% · 4.625%
HK$93,448
+HK$5,360/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,176/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,214
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,687
−HK$2,509/mo
Today · 4.125%
HK$97,196
baseline
▲ 0.50% · 4.625%
HK$102,320
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,392/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,468
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,562
−HK$3,143/mo
Today · 4.125%
HK$105,705
baseline
▲ 0.50% · 4.625%
HK$112,137
+HK$6,432/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,410/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,657
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,625
−HK$3,010/mo
Today · 4.125%
HK$116,635
baseline
▲ 0.50% · 4.625%
HK$122,783
+HK$6,148/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,270/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,046
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,655
−HK$3,668/mo
Today · 4.125%
HK$123,323
baseline
▲ 0.50% · 4.625%
HK$130,827
+HK$7,504/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,646/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,100
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,562
−HK$3,513/mo
Today · 4.125%
HK$136,075
baseline
▲ 0.50% · 4.625%
HK$143,247
+HK$7,172/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,150/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,202
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$153,843
−HK$4,715/mo
Today · 4.125%
HK$158,558
baseline
▲ 0.50% · 4.625%
HK$168,206
+HK$9,648/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,116/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,985
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$170,437
−HK$4,516/mo
Today · 4.125%
HK$174,953
baseline
▲ 0.50% · 4.625%
HK$184,175
+HK$9,222/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,906/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,923 · Scale 2, in force from 26 Feb 2026)