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$82,899
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,478
−HK$2,620/mo
Today · 4.125%
HK$88,098
baseline
▲ 0.50% · 4.625%
HK$93,458
+HK$5,360/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,196/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,224
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,698
−HK$2,509/mo
Today · 4.125%
HK$97,207
baseline
▲ 0.50% · 4.625%
HK$102,331
+HK$5,124/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,414/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,479
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,573
−HK$3,144/mo
Today · 4.125%
HK$105,717
baseline
▲ 0.50% · 4.625%
HK$112,150
+HK$6,433/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,434/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,669
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,637
−HK$3,011/mo
Today · 4.125%
HK$116,648
baseline
▲ 0.50% · 4.625%
HK$122,797
+HK$6,149/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,296/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,059
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,669
−HK$3,668/mo
Today · 4.125%
HK$123,337
baseline
▲ 0.50% · 4.625%
HK$130,841
+HK$7,504/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$246,674/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,114
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,577
−HK$3,513/mo
Today · 4.125%
HK$136,090
baseline
▲ 0.50% · 4.625%
HK$143,263
+HK$7,173/mo
Deposit HK$10.91M · loan HK$25.45M · min. income ≈ HK$272,180/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,218
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$153,860
−HK$4,716/mo
Today · 4.125%
HK$158,576
baseline
▲ 0.50% · 4.625%
HK$168,225
+HK$9,649/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$317,152/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,004
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$170,456
−HK$4,517/mo
Today · 4.125%
HK$174,973
baseline
▲ 0.50% · 4.625%
HK$184,196
+HK$9,223/mo
Deposit HK$3.64M · loan HK$32.72M · min. income ≈ HK$349,946/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,094 · Scale 2, in force from 26 Feb 2026)