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$82,991
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,572
−HK$2,623/mo
Today · 4.125%
HK$88,195
baseline
▲ 0.50% · 4.625%
HK$93,561
+HK$5,366/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,390/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,326
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,802
−HK$2,512/mo
Today · 4.125%
HK$97,314
baseline
▲ 0.50% · 4.625%
HK$102,444
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,628/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,589
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,687
−HK$3,147/mo
Today · 4.125%
HK$105,834
baseline
▲ 0.50% · 4.625%
HK$112,274
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,668/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,792
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,763
−HK$3,014/mo
Today · 4.125%
HK$116,777
baseline
▲ 0.50% · 4.625%
HK$122,933
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,554/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,187
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,801
−HK$3,672/mo
Today · 4.125%
HK$123,473
baseline
▲ 0.50% · 4.625%
HK$130,986
+HK$7,513/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,946/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,257
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,723
−HK$3,517/mo
Today · 4.125%
HK$136,240
baseline
▲ 0.50% · 4.625%
HK$143,422
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,480/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,383
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,030
−HK$4,721/mo
Today · 4.125%
HK$158,751
baseline
▲ 0.50% · 4.625%
HK$168,410
+HK$9,659/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,502/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,187
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,644
−HK$4,522/mo
Today · 4.125%
HK$175,166
baseline
▲ 0.50% · 4.625%
HK$184,399
+HK$9,233/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,332/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,802 · Scale 2, in force from 26 Feb 2026)