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$83,157
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,743
−HK$2,628/mo
Today · 4.125%
HK$88,371
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$5,377/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,742/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,511
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,992
−HK$2,517/mo
Today · 4.125%
HK$97,509
baseline
▲ 0.50% · 4.625%
HK$102,649
+HK$5,140/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$195,018/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,788
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,892
−HK$3,153/mo
Today · 4.125%
HK$106,045
baseline
▲ 0.50% · 4.625%
HK$112,498
+HK$6,453/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$212,090/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,013
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,990
−HK$3,021/mo
Today · 4.125%
HK$117,011
baseline
▲ 0.50% · 4.625%
HK$123,178
+HK$6,167/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$234,022/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,419
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,040
−HK$3,680/mo
Today · 4.125%
HK$123,720
baseline
▲ 0.50% · 4.625%
HK$131,248
+HK$7,528/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,440/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,515
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,989
−HK$3,523/mo
Today · 4.125%
HK$136,512
baseline
▲ 0.50% · 4.625%
HK$143,708
+HK$7,196/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,024/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,682
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$154,338
−HK$4,730/mo
Today · 4.125%
HK$159,068
baseline
▲ 0.50% · 4.625%
HK$168,747
+HK$9,679/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$318,136/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,519
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$170,985
−HK$4,531/mo
Today · 4.125%
HK$175,516
baseline
▲ 0.50% · 4.625%
HK$184,768
+HK$9,252/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$351,032/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,893 · Scale 2, in force from 26 Feb 2026)