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$83,191
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,778
−HK$2,629/mo
Today · 4.125%
HK$88,407
baseline
▲ 0.50% · 4.625%
HK$93,787
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,814/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,549
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,031
−HK$2,518/mo
Today · 4.125%
HK$97,549
baseline
▲ 0.50% · 4.625%
HK$102,691
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,098/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,829
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,934
−HK$3,155/mo
Today · 4.125%
HK$106,089
baseline
▲ 0.50% · 4.625%
HK$112,544
+HK$6,455/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,178/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,059
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,037
−HK$3,022/mo
Today · 4.125%
HK$117,059
baseline
▲ 0.50% · 4.625%
HK$123,229
+HK$6,170/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,118/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,467
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,090
−HK$3,680/mo
Today · 4.125%
HK$123,770
baseline
▲ 0.50% · 4.625%
HK$131,302
+HK$7,532/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$247,540/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,568
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,043
−HK$3,525/mo
Today · 4.125%
HK$136,568
baseline
▲ 0.50% · 4.625%
HK$143,767
+HK$7,199/mo
Deposit HK$10.94M · loan HK$25.54M · min. income ≈ HK$273,136/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,743
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$154,401
−HK$4,732/mo
Today · 4.125%
HK$159,133
baseline
▲ 0.50% · 4.625%
HK$168,816
+HK$9,683/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$318,266/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,588
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$171,056
−HK$4,532/mo
Today · 4.125%
HK$175,588
baseline
▲ 0.50% · 4.625%
HK$184,843
+HK$9,255/mo
Deposit HK$3.65M · loan HK$32.83M · min. income ≈ HK$351,176/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,529 · Scale 2, in force from 26 Feb 2026)