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$82,843
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,420
−HK$2,619/mo
Today · 4.125%
HK$88,039
baseline
▲ 0.50% · 4.625%
HK$93,395
+HK$5,356/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,078/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,163
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,634
−HK$2,508/mo
Today · 4.125%
HK$97,142
baseline
▲ 0.50% · 4.625%
HK$102,262
+HK$5,120/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,284/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,412
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,504
−HK$3,142/mo
Today · 4.125%
HK$105,646
baseline
▲ 0.50% · 4.625%
HK$112,075
+HK$6,429/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,292/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,595
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,561
−HK$3,009/mo
Today · 4.125%
HK$116,570
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$6,145/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,140/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,981
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,589
−HK$3,665/mo
Today · 4.125%
HK$123,254
baseline
▲ 0.50% · 4.625%
HK$130,754
+HK$7,500/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,508/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,028
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,488
−HK$3,511/mo
Today · 4.125%
HK$135,999
baseline
▲ 0.50% · 4.625%
HK$143,167
+HK$7,168/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$271,998/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,118
−HK$9,351/mo
▼ 0.25% · 3.875%
HK$153,757
−HK$4,712/mo
Today · 4.125%
HK$158,469
baseline
▲ 0.50% · 4.625%
HK$168,112
+HK$9,643/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$316,938/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,893
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$170,342
−HK$4,513/mo
Today · 4.125%
HK$174,855
baseline
▲ 0.50% · 4.625%
HK$184,072
+HK$9,217/mo
Deposit HK$3.63M · loan HK$32.70M · min. income ≈ HK$349,710/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,059 · Scale 2, in force from 26 Feb 2026)