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$83,042
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,625
−HK$2,624/mo
Today · 4.125%
HK$88,249
baseline
▲ 0.50% · 4.625%
HK$93,619
+HK$5,370/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,498/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,383
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,861
−HK$2,513/mo
Today · 4.125%
HK$97,374
baseline
▲ 0.50% · 4.625%
HK$102,507
+HK$5,133/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,748/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,650
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,750
−HK$3,149/mo
Today · 4.125%
HK$105,899
baseline
▲ 0.50% · 4.625%
HK$112,343
+HK$6,444/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,798/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,860
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,833
−HK$3,016/mo
Today · 4.125%
HK$116,849
baseline
▲ 0.50% · 4.625%
HK$123,008
+HK$6,159/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,698/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,258
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$119,875
−HK$3,674/mo
Today · 4.125%
HK$123,549
baseline
▲ 0.50% · 4.625%
HK$131,066
+HK$7,517/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$247,098/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,336
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,805
−HK$3,519/mo
Today · 4.125%
HK$136,324
baseline
▲ 0.50% · 4.625%
HK$143,510
+HK$7,186/mo
Deposit HK$10.93M · loan HK$25.49M · min. income ≈ HK$272,648/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,475
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$154,124
−HK$4,724/mo
Today · 4.125%
HK$158,848
baseline
▲ 0.50% · 4.625%
HK$168,514
+HK$9,666/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,696/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,289
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$170,749
−HK$4,524/mo
Today · 4.125%
HK$175,273
baseline
▲ 0.50% · 4.625%
HK$184,512
+HK$9,239/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,546/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,751 · Scale 2, in force from 26 Feb 2026)