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$82,937
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,517
−HK$2,621/mo
Today · 4.125%
HK$88,138
baseline
▲ 0.50% · 4.625%
HK$93,501
+HK$5,363/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,276/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,267
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,742
−HK$2,510/mo
Today · 4.125%
HK$97,252
baseline
▲ 0.50% · 4.625%
HK$102,378
+HK$5,126/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,504/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,525
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,621
−HK$3,145/mo
Today · 4.125%
HK$105,766
baseline
▲ 0.50% · 4.625%
HK$112,202
+HK$6,436/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,532/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,721
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,690
−HK$3,012/mo
Today · 4.125%
HK$116,702
baseline
▲ 0.50% · 4.625%
HK$122,854
+HK$6,152/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,404/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,112
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,724
−HK$3,670/mo
Today · 4.125%
HK$123,394
baseline
▲ 0.50% · 4.625%
HK$130,902
+HK$7,508/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,788/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,174
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,638
−HK$3,515/mo
Today · 4.125%
HK$136,153
baseline
▲ 0.50% · 4.625%
HK$143,330
+HK$7,177/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,306/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,287
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,931
−HK$4,718/mo
Today · 4.125%
HK$158,649
baseline
▲ 0.50% · 4.625%
HK$168,302
+HK$9,653/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,298/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,081
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$170,535
−HK$4,519/mo
Today · 4.125%
HK$175,054
baseline
▲ 0.50% · 4.625%
HK$184,281
+HK$9,227/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,108/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,810 · Scale 2, in force from 26 Feb 2026)