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$83,232
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,821
−HK$2,630/mo
Today · 4.125%
HK$88,451
baseline
▲ 0.50% · 4.625%
HK$93,833
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,902/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,594
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,078
−HK$2,519/mo
Today · 4.125%
HK$97,597
baseline
▲ 0.50% · 4.625%
HK$102,741
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,194/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,878
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,985
−HK$3,156/mo
Today · 4.125%
HK$106,141
baseline
▲ 0.50% · 4.625%
HK$112,600
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,282/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,113
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,093
−HK$3,023/mo
Today · 4.125%
HK$117,116
baseline
▲ 0.50% · 4.625%
HK$123,290
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,232/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,524
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,149
−HK$3,682/mo
Today · 4.125%
HK$123,831
baseline
▲ 0.50% · 4.625%
HK$131,366
+HK$7,535/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,662/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,632
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,109
−HK$3,527/mo
Today · 4.125%
HK$136,636
baseline
▲ 0.50% · 4.625%
HK$143,838
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,272/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,817
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,477
−HK$4,735/mo
Today · 4.125%
HK$159,212
baseline
▲ 0.50% · 4.625%
HK$168,899
+HK$9,687/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,424/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,670
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,140
−HK$4,535/mo
Today · 4.125%
HK$175,675
baseline
▲ 0.50% · 4.625%
HK$184,935
+HK$9,260/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,350/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,293 · Scale 2, in force from 26 Feb 2026)