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$83,283
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,874
−HK$2,632/mo
Today · 4.125%
HK$88,506
baseline
▲ 0.50% · 4.625%
HK$93,891
+HK$5,385/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,012/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,652
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,136
−HK$2,521/mo
Today · 4.125%
HK$97,657
baseline
▲ 0.50% · 4.625%
HK$102,805
+HK$5,148/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,314/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,048
−HK$3,159/mo
Today · 4.125%
HK$106,207
baseline
▲ 0.50% · 4.625%
HK$112,669
+HK$6,462/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,414/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,182
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,164
−HK$3,025/mo
Today · 4.125%
HK$117,189
baseline
▲ 0.50% · 4.625%
HK$123,366
+HK$6,177/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,378/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,596
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,223
−HK$3,685/mo
Today · 4.125%
HK$123,908
baseline
▲ 0.50% · 4.625%
HK$131,447
+HK$7,539/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,816/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,712
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,191
−HK$3,529/mo
Today · 4.125%
HK$136,720
baseline
▲ 0.50% · 4.625%
HK$143,927
+HK$7,207/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,440/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,909
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,573
−HK$4,737/mo
Today · 4.125%
HK$159,310
baseline
▲ 0.50% · 4.625%
HK$169,004
+HK$9,694/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,620/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,773
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$171,246
−HK$4,537/mo
Today · 4.125%
HK$175,783
baseline
▲ 0.50% · 4.625%
HK$185,049
+HK$9,266/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,566/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,251 · Scale 2, in force from 26 Feb 2026)