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$83,256
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,846
−HK$2,631/mo
Today · 4.125%
HK$88,477
baseline
▲ 0.50% · 4.625%
HK$93,861
+HK$5,384/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$176,954/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,622
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,106
−HK$2,520/mo
Today · 4.125%
HK$97,626
baseline
▲ 0.50% · 4.625%
HK$102,772
+HK$5,146/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,252/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,908
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$3,158/mo
Today · 4.125%
HK$106,173
baseline
▲ 0.50% · 4.625%
HK$112,633
+HK$6,460/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$212,346/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,146
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,127
−HK$3,024/mo
Today · 4.125%
HK$117,151
baseline
▲ 0.50% · 4.625%
HK$123,326
+HK$6,175/mo
Deposit HK$14.60M · loan HK$21.91M · min. income ≈ HK$234,302/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,559
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,185
−HK$3,683/mo
Today · 4.125%
HK$123,868
baseline
▲ 0.50% · 4.625%
HK$131,405
+HK$7,537/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,736/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,671
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,148
−HK$3,528/mo
Today · 4.125%
HK$136,676
baseline
▲ 0.50% · 4.625%
HK$143,881
+HK$7,205/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,352/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,861
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,523
−HK$4,736/mo
Today · 4.125%
HK$159,259
baseline
▲ 0.50% · 4.625%
HK$168,950
+HK$9,691/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,518/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,719
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$171,191
−HK$4,536/mo
Today · 4.125%
HK$175,727
baseline
▲ 0.50% · 4.625%
HK$184,989
+HK$9,262/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,454/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,753 · Scale 2, in force from 26 Feb 2026)