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$82,934
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,513
−HK$2,621/mo
Today · 4.125%
HK$88,134
baseline
▲ 0.50% · 4.625%
HK$93,497
+HK$5,363/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,268/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,263
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,737
−HK$2,510/mo
Today · 4.125%
HK$97,247
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,126/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,494/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,520
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,616
−HK$3,145/mo
Today · 4.125%
HK$105,761
baseline
▲ 0.50% · 4.625%
HK$112,196
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,522/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,715
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,685
−HK$3,012/mo
Today · 4.125%
HK$116,697
baseline
▲ 0.50% · 4.625%
HK$122,848
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,394/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,107
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,719
−HK$3,669/mo
Today · 4.125%
HK$123,388
baseline
▲ 0.50% · 4.625%
HK$130,896
+HK$7,508/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,776/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,168
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,632
−HK$3,514/mo
Today · 4.125%
HK$136,146
baseline
▲ 0.50% · 4.625%
HK$143,323
+HK$7,177/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,292/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,280
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,924
−HK$4,718/mo
Today · 4.125%
HK$158,642
baseline
▲ 0.50% · 4.625%
HK$168,295
+HK$9,653/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,284/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,073
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,527
−HK$4,518/mo
Today · 4.125%
HK$175,045
baseline
▲ 0.50% · 4.625%
HK$184,272
+HK$9,227/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,090/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,737 · Scale 2, in force from 26 Feb 2026)