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$83,098
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,683
−HK$2,626/mo
Today · 4.125%
HK$88,309
baseline
▲ 0.50% · 4.625%
HK$93,682
+HK$5,373/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,618/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,446
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,925
−HK$2,515/mo
Today · 4.125%
HK$97,440
baseline
▲ 0.50% · 4.625%
HK$102,576
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,880/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,717
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,819
−HK$3,152/mo
Today · 4.125%
HK$105,971
baseline
▲ 0.50% · 4.625%
HK$112,419
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,942/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,935
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,910
−HK$3,018/mo
Today · 4.125%
HK$116,928
baseline
▲ 0.50% · 4.625%
HK$123,092
+HK$6,164/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,856/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,337
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,956
−HK$3,676/mo
Today · 4.125%
HK$123,632
baseline
▲ 0.50% · 4.625%
HK$131,155
+HK$7,523/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,264/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,424
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,895
−HK$3,521/mo
Today · 4.125%
HK$136,416
baseline
▲ 0.50% · 4.625%
HK$143,607
+HK$7,191/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,832/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,576
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$154,229
−HK$4,727/mo
Today · 4.125%
HK$158,956
baseline
▲ 0.50% · 4.625%
HK$168,628
+HK$9,672/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,912/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,402
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$170,865
−HK$4,527/mo
Today · 4.125%
HK$175,392
baseline
▲ 0.50% · 4.625%
HK$184,637
+HK$9,245/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,784/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,800 · Scale 2, in force from 26 Feb 2026)