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$83,049
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,632
−HK$2,625/mo
Today · 4.125%
HK$88,257
baseline
▲ 0.50% · 4.625%
HK$93,627
+HK$5,370/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,514/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,391
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,869
−HK$2,514/mo
Today · 4.125%
HK$97,383
baseline
▲ 0.50% · 4.625%
HK$102,516
+HK$5,133/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,766/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,659
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,759
−HK$3,149/mo
Today · 4.125%
HK$105,908
baseline
▲ 0.50% · 4.625%
HK$112,352
+HK$6,444/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,816/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,869
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,843
−HK$3,016/mo
Today · 4.125%
HK$116,859
baseline
▲ 0.50% · 4.625%
HK$123,019
+HK$6,160/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,718/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,268
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,885
−HK$3,675/mo
Today · 4.125%
HK$123,560
baseline
▲ 0.50% · 4.625%
HK$131,078
+HK$7,518/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$247,120/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,348
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,817
−HK$3,519/mo
Today · 4.125%
HK$136,336
baseline
▲ 0.50% · 4.625%
HK$143,522
+HK$7,186/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$272,672/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,488
−HK$9,374/mo
▼ 0.25% · 3.875%
HK$154,138
−HK$4,724/mo
Today · 4.125%
HK$158,862
baseline
▲ 0.50% · 4.625%
HK$168,529
+HK$9,667/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,724/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,304
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$170,764
−HK$4,525/mo
Today · 4.125%
HK$175,289
baseline
▲ 0.50% · 4.625%
HK$184,529
+HK$9,240/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,578/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,887 · Scale 2, in force from 26 Feb 2026)