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$83,292
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,883
−HK$2,632/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,901
+HK$5,386/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,662
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,147
−HK$2,521/mo
Today · 4.125%
HK$97,668
baseline
▲ 0.50% · 4.625%
HK$102,816
+HK$5,148/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,336/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,950
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,059
−HK$3,159/mo
Today · 4.125%
HK$106,218
baseline
▲ 0.50% · 4.625%
HK$112,681
+HK$6,463/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,436/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,194
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,176
−HK$3,025/mo
Today · 4.125%
HK$117,201
baseline
▲ 0.50% · 4.625%
HK$123,379
+HK$6,178/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,402/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,609
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,236
−HK$3,685/mo
Today · 4.125%
HK$123,921
baseline
▲ 0.50% · 4.625%
HK$131,462
+HK$7,541/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,842/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,726
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,205
−HK$3,530/mo
Today · 4.125%
HK$136,735
baseline
▲ 0.50% · 4.625%
HK$143,942
+HK$7,207/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,470/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,926
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,589
−HK$4,738/mo
Today · 4.125%
HK$159,327
baseline
▲ 0.50% · 4.625%
HK$169,022
+HK$9,695/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,654/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,791
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,264
−HK$4,538/mo
Today · 4.125%
HK$175,802
baseline
▲ 0.50% · 4.625%
HK$185,069
+HK$9,267/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,604/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,418 · Scale 2, in force from 26 Feb 2026)