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$83,197
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,785
−HK$2,629/mo
Today · 4.125%
HK$88,414
baseline
▲ 0.50% · 4.625%
HK$93,794
+HK$5,380/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$176,828/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,556
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,038
−HK$2,518/mo
Today · 4.125%
HK$97,556
baseline
▲ 0.50% · 4.625%
HK$102,698
+HK$5,142/mo
Deposit HK$18.24M · loan HK$18.24M · min. income ≈ HK$195,112/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,836
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,942
−HK$3,155/mo
Today · 4.125%
HK$106,097
baseline
▲ 0.50% · 4.625%
HK$112,552
+HK$6,455/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$212,194/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,067
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,045
−HK$3,022/mo
Today · 4.125%
HK$117,067
baseline
▲ 0.50% · 4.625%
HK$123,238
+HK$6,171/mo
Deposit HK$14.59M · loan HK$21.89M · min. income ≈ HK$234,134/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,475
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,098
−HK$3,681/mo
Today · 4.125%
HK$123,779
baseline
▲ 0.50% · 4.625%
HK$131,311
+HK$7,532/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,558/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,578
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,053
−HK$3,525/mo
Today · 4.125%
HK$136,578
baseline
▲ 0.50% · 4.625%
HK$143,778
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,156/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,754
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,412
−HK$4,733/mo
Today · 4.125%
HK$159,145
baseline
▲ 0.50% · 4.625%
HK$168,829
+HK$9,684/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,290/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,600
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,068
−HK$4,533/mo
Today · 4.125%
HK$175,601
baseline
▲ 0.50% · 4.625%
HK$184,857
+HK$9,256/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,202/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,642 · Scale 2, in force from 26 Feb 2026)