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$82,945
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,525
−HK$2,621/mo
Today · 4.125%
HK$88,146
baseline
▲ 0.50% · 4.625%
HK$93,510
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,292/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,276
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,750
−HK$2,511/mo
Today · 4.125%
HK$97,261
baseline
▲ 0.50% · 4.625%
HK$102,388
+HK$5,127/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,522/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,534
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,630
−HK$3,146/mo
Today · 4.125%
HK$105,776
baseline
▲ 0.50% · 4.625%
HK$112,212
+HK$6,436/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$211,552/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,731
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,700
−HK$3,013/mo
Today · 4.125%
HK$116,713
baseline
▲ 0.50% · 4.625%
HK$122,865
+HK$6,152/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$233,426/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,123
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,735
−HK$3,670/mo
Today · 4.125%
HK$123,405
baseline
▲ 0.50% · 4.625%
HK$130,914
+HK$7,509/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,810/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,186
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,650
−HK$3,515/mo
Today · 4.125%
HK$136,165
baseline
▲ 0.50% · 4.625%
HK$143,343
+HK$7,178/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,330/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,301
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$153,945
−HK$4,719/mo
Today · 4.125%
HK$158,664
baseline
▲ 0.50% · 4.625%
HK$168,318
+HK$9,654/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,328/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,096
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,551
−HK$4,519/mo
Today · 4.125%
HK$175,070
baseline
▲ 0.50% · 4.625%
HK$184,298
+HK$9,228/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,140/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,951 · Scale 2, in force from 26 Feb 2026)