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$83,058
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,642
−HK$2,624/mo
Today · 4.125%
HK$88,266
baseline
▲ 0.50% · 4.625%
HK$93,637
+HK$5,371/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,532/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,401
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,879
−HK$2,514/mo
Today · 4.125%
HK$97,393
baseline
▲ 0.50% · 4.625%
HK$102,527
+HK$5,134/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,786/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,670
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,770
−HK$3,150/mo
Today · 4.125%
HK$105,920
baseline
▲ 0.50% · 4.625%
HK$112,365
+HK$6,445/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$211,840/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,881
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,855
−HK$3,017/mo
Today · 4.125%
HK$116,872
baseline
▲ 0.50% · 4.625%
HK$123,032
+HK$6,160/mo
Deposit HK$14.57M · loan HK$21.85M · min. income ≈ HK$233,744/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,281
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,898
−HK$3,675/mo
Today · 4.125%
HK$123,573
baseline
▲ 0.50% · 4.625%
HK$131,092
+HK$7,519/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$247,146/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,362
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,831
−HK$3,520/mo
Today · 4.125%
HK$136,351
baseline
▲ 0.50% · 4.625%
HK$143,538
+HK$7,187/mo
Deposit HK$10.93M · loan HK$25.50M · min. income ≈ HK$272,702/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,504
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,155
−HK$4,725/mo
Today · 4.125%
HK$158,880
baseline
▲ 0.50% · 4.625%
HK$168,547
+HK$9,667/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$317,760/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,322
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$170,783
−HK$4,525/mo
Today · 4.125%
HK$175,308
baseline
▲ 0.50% · 4.625%
HK$184,549
+HK$9,241/mo
Deposit HK$3.64M · loan HK$32.78M · min. income ≈ HK$350,616/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,056 · Scale 2, in force from 26 Feb 2026)