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$83,291
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,882
−HK$2,632/mo
Today · 4.125%
HK$88,514
baseline
▲ 0.50% · 4.625%
HK$93,900
+HK$5,386/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,028/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,661
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,521/mo
Today · 4.125%
HK$97,667
baseline
▲ 0.50% · 4.625%
HK$102,815
+HK$5,148/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,334/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,950
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,059
−HK$3,158/mo
Today · 4.125%
HK$106,217
baseline
▲ 0.50% · 4.625%
HK$112,680
+HK$6,463/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$212,434/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,193
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,175
−HK$3,025/mo
Today · 4.125%
HK$117,200
baseline
▲ 0.50% · 4.625%
HK$123,378
+HK$6,178/mo
Deposit HK$14.61M · loan HK$21.92M · min. income ≈ HK$234,400/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,608
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,235
−HK$3,685/mo
Today · 4.125%
HK$123,920
baseline
▲ 0.50% · 4.625%
HK$131,460
+HK$7,540/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,840/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,725
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,204
−HK$3,530/mo
Today · 4.125%
HK$136,734
baseline
▲ 0.50% · 4.625%
HK$143,941
+HK$7,207/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,468/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,924
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$154,588
−HK$4,738/mo
Today · 4.125%
HK$159,326
baseline
▲ 0.50% · 4.625%
HK$169,021
+HK$9,695/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,652/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,789
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,263
−HK$4,537/mo
Today · 4.125%
HK$175,800
baseline
▲ 0.50% · 4.625%
HK$185,067
+HK$9,267/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,600/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,405 · Scale 2, in force from 26 Feb 2026)