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$82,947
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,527
−HK$2,621/mo
Today · 4.125%
HK$88,148
baseline
▲ 0.50% · 4.625%
HK$93,512
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,296/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,277
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,752
−HK$2,511/mo
Today · 4.125%
HK$97,263
baseline
▲ 0.50% · 4.625%
HK$102,390
+HK$5,127/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,526/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,536
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,632
−HK$3,146/mo
Today · 4.125%
HK$105,778
baseline
▲ 0.50% · 4.625%
HK$112,214
+HK$6,436/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$211,556/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,733
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,703
−HK$3,012/mo
Today · 4.125%
HK$116,715
baseline
▲ 0.50% · 4.625%
HK$122,868
+HK$6,153/mo
Deposit HK$14.55M · loan HK$21.83M · min. income ≈ HK$233,430/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,125
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,737
−HK$3,670/mo
Today · 4.125%
HK$123,407
baseline
▲ 0.50% · 4.625%
HK$130,916
+HK$7,509/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,814/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,188
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,653
−HK$3,515/mo
Today · 4.125%
HK$136,168
baseline
▲ 0.50% · 4.625%
HK$143,346
+HK$7,178/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,336/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,304
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$153,948
−HK$4,719/mo
Today · 4.125%
HK$158,667
baseline
▲ 0.50% · 4.625%
HK$168,321
+HK$9,654/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,334/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,099
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,554
−HK$4,519/mo
Today · 4.125%
HK$175,073
baseline
▲ 0.50% · 4.625%
HK$184,301
+HK$9,228/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,146/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,982 · Scale 2, in force from 26 Feb 2026)