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$82,998
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,579
−HK$2,623/mo
Today · 4.125%
HK$88,202
baseline
▲ 0.50% · 4.625%
HK$93,569
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,404/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,334
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,810
−HK$2,513/mo
Today · 4.125%
HK$97,323
baseline
▲ 0.50% · 4.625%
HK$102,453
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,646/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,597
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,695
−HK$3,148/mo
Today · 4.125%
HK$105,843
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,686/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,801
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,773
−HK$3,014/mo
Today · 4.125%
HK$116,787
baseline
▲ 0.50% · 4.625%
HK$122,943
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,574/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,197
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,811
−HK$3,672/mo
Today · 4.125%
HK$123,483
baseline
▲ 0.50% · 4.625%
HK$130,997
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,966/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,268
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,735
−HK$3,517/mo
Today · 4.125%
HK$136,252
baseline
▲ 0.50% · 4.625%
HK$143,434
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,504/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,396
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,043
−HK$4,721/mo
Today · 4.125%
HK$158,764
baseline
▲ 0.50% · 4.625%
HK$168,425
+HK$9,661/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,528/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,201
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,659
−HK$4,522/mo
Today · 4.125%
HK$175,181
baseline
▲ 0.50% · 4.625%
HK$184,415
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,362/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,933 · Scale 2, in force from 26 Feb 2026)