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$82,855
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,432
−HK$2,619/mo
Today · 4.125%
HK$88,051
baseline
▲ 0.50% · 4.625%
HK$93,408
+HK$5,357/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,102/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,175
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,647
−HK$2,508/mo
Today · 4.125%
HK$97,155
baseline
▲ 0.50% · 4.625%
HK$102,276
+HK$5,121/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,310/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,426
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,519
−HK$3,142/mo
Today · 4.125%
HK$105,661
baseline
▲ 0.50% · 4.625%
HK$112,090
+HK$6,429/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,322/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,610
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,577
−HK$3,009/mo
Today · 4.125%
HK$116,586
baseline
▲ 0.50% · 4.625%
HK$122,732
+HK$6,146/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,172/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,997
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,605
−HK$3,666/mo
Today · 4.125%
HK$123,271
baseline
▲ 0.50% · 4.625%
HK$130,772
+HK$7,501/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,542/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,045
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,506
−HK$3,511/mo
Today · 4.125%
HK$136,017
baseline
▲ 0.50% · 4.625%
HK$143,187
+HK$7,170/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,034/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,139
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$153,778
−HK$4,713/mo
Today · 4.125%
HK$158,491
baseline
▲ 0.50% · 4.625%
HK$168,135
+HK$9,644/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$316,982/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,915
−HK$8,964/mo
▼ 0.25% · 3.875%
HK$170,365
−HK$4,514/mo
Today · 4.125%
HK$174,879
baseline
▲ 0.50% · 4.625%
HK$184,098
+HK$9,219/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$349,758/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,272 · Scale 2, in force from 26 Feb 2026)