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$82,952
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,533
−HK$2,621/mo
Today · 4.125%
HK$88,154
baseline
▲ 0.50% · 4.625%
HK$93,518
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,308/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,284
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,759
−HK$2,510/mo
Today · 4.125%
HK$97,269
baseline
▲ 0.50% · 4.625%
HK$102,397
+HK$5,128/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,538/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,543
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,639
−HK$3,146/mo
Today · 4.125%
HK$105,785
baseline
▲ 0.50% · 4.625%
HK$112,222
+HK$6,437/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$211,570/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,740
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,710
−HK$3,013/mo
Today · 4.125%
HK$116,723
baseline
▲ 0.50% · 4.625%
HK$122,876
+HK$6,153/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$233,446/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,133
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,746
−HK$3,670/mo
Today · 4.125%
HK$123,416
baseline
▲ 0.50% · 4.625%
HK$130,925
+HK$7,509/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,832/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,197
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,662
−HK$3,515/mo
Today · 4.125%
HK$136,177
baseline
▲ 0.50% · 4.625%
HK$143,355
+HK$7,178/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,354/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,314
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$153,959
−HK$4,718/mo
Today · 4.125%
HK$158,677
baseline
▲ 0.50% · 4.625%
HK$168,332
+HK$9,655/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,354/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,110
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$170,565
−HK$4,520/mo
Today · 4.125%
HK$175,085
baseline
▲ 0.50% · 4.625%
HK$184,314
+HK$9,229/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,170/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,546,085 · Scale 2, in force from 26 Feb 2026)