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$83,150
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,737
−HK$2,627/mo
Today · 4.125%
HK$88,364
baseline
▲ 0.50% · 4.625%
HK$93,741
+HK$5,377/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,728/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,504
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,985
−HK$2,517/mo
Today · 4.125%
HK$97,502
baseline
▲ 0.50% · 4.625%
HK$102,641
+HK$5,139/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$195,004/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,780
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,884
−HK$3,153/mo
Today · 4.125%
HK$106,037
baseline
▲ 0.50% · 4.625%
HK$112,490
+HK$6,453/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$212,074/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,005
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,982
−HK$3,020/mo
Today · 4.125%
HK$117,002
baseline
▲ 0.50% · 4.625%
HK$123,169
+HK$6,167/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$234,004/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,410
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,031
−HK$3,679/mo
Today · 4.125%
HK$123,710
baseline
▲ 0.50% · 4.625%
HK$131,238
+HK$7,528/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,420/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,505
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,979
−HK$3,523/mo
Today · 4.125%
HK$136,502
baseline
▲ 0.50% · 4.625%
HK$143,697
+HK$7,195/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,004/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,670
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$154,326
−HK$4,730/mo
Today · 4.125%
HK$159,056
baseline
▲ 0.50% · 4.625%
HK$168,734
+HK$9,678/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$318,112/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,507
−HK$8,996/mo
▼ 0.25% · 3.875%
HK$170,972
−HK$4,531/mo
Today · 4.125%
HK$175,503
baseline
▲ 0.50% · 4.625%
HK$184,754
+HK$9,251/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$351,006/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,776 · Scale 2, in force from 26 Feb 2026)