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$82,828
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,404
−HK$2,618/mo
Today · 4.125%
HK$88,022
baseline
▲ 0.50% · 4.625%
HK$93,378
+HK$5,356/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$176,044/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,145
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,616
−HK$2,507/mo
Today · 4.125%
HK$97,123
baseline
▲ 0.50% · 4.625%
HK$102,243
+HK$5,120/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,246/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,393
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,485
−HK$3,141/mo
Today · 4.125%
HK$105,626
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$6,427/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$211,252/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,574
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,540
−HK$3,008/mo
Today · 4.125%
HK$116,548
baseline
▲ 0.50% · 4.625%
HK$122,692
+HK$6,144/mo
Deposit HK$14.53M · loan HK$21.79M · min. income ≈ HK$233,096/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,959
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,566
−HK$3,665/mo
Today · 4.125%
HK$123,231
baseline
▲ 0.50% · 4.625%
HK$130,729
+HK$7,498/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,462/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,003
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,463
−HK$3,510/mo
Today · 4.125%
HK$135,973
baseline
▲ 0.50% · 4.625%
HK$143,140
+HK$7,167/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$271,946/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,090
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$153,728
−HK$4,711/mo
Today · 4.125%
HK$158,439
baseline
▲ 0.50% · 4.625%
HK$168,080
+HK$9,641/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$316,878/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,861
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$170,309
−HK$4,513/mo
Today · 4.125%
HK$174,822
baseline
▲ 0.50% · 4.625%
HK$184,037
+HK$9,215/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$349,644/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,766 · Scale 2, in force from 26 Feb 2026)