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$83,356
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,949
−HK$2,634/mo
Today · 4.125%
HK$88,583
baseline
▲ 0.50% · 4.625%
HK$93,973
+HK$5,390/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$177,166/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,733
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,220
−HK$2,523/mo
Today · 4.125%
HK$97,743
baseline
▲ 0.50% · 4.625%
HK$102,895
+HK$5,152/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$195,486/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,027
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,139
−HK$3,161/mo
Today · 4.125%
HK$106,300
baseline
▲ 0.50% · 4.625%
HK$112,768
+HK$6,468/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,600/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,279
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,264
−HK$3,027/mo
Today · 4.125%
HK$117,291
baseline
▲ 0.50% · 4.625%
HK$123,474
+HK$6,183/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,582/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,698
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,328
−HK$3,688/mo
Today · 4.125%
HK$124,016
baseline
▲ 0.50% · 4.625%
HK$131,562
+HK$7,546/mo
Deposit HK$10.97M · loan HK$25.59M · min. income ≈ HK$248,032/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,826
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,308
−HK$3,532/mo
Today · 4.125%
HK$136,840
baseline
▲ 0.50% · 4.625%
HK$144,053
+HK$7,213/mo
Deposit HK$10.97M · loan HK$25.59M · min. income ≈ HK$273,680/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,041
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$154,708
−HK$4,742/mo
Today · 4.125%
HK$159,450
baseline
▲ 0.50% · 4.625%
HK$169,152
+HK$9,702/mo
Deposit HK$3.66M · loan HK$32.90M · min. income ≈ HK$318,900/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,919
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$171,395
−HK$4,542/mo
Today · 4.125%
HK$175,937
baseline
▲ 0.50% · 4.625%
HK$185,211
+HK$9,274/mo
Deposit HK$3.66M · loan HK$32.90M · min. income ≈ HK$351,874/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,609 · Scale 2, in force from 26 Feb 2026)