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$83,384
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,978
−HK$2,635/mo
Today · 4.125%
HK$88,613
baseline
▲ 0.50% · 4.625%
HK$94,005
+HK$5,392/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$177,226/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,252
−HK$2,524/mo
Today · 4.125%
HK$97,776
baseline
▲ 0.50% · 4.625%
HK$102,930
+HK$5,154/mo
Deposit HK$18.28M · loan HK$18.28M · min. income ≈ HK$195,552/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,061
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,173
−HK$3,163/mo
Today · 4.125%
HK$106,336
baseline
▲ 0.50% · 4.625%
HK$112,806
+HK$6,470/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$212,672/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,317
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,302
−HK$3,029/mo
Today · 4.125%
HK$117,331
baseline
▲ 0.50% · 4.625%
HK$123,516
+HK$6,185/mo
Deposit HK$14.63M · loan HK$21.94M · min. income ≈ HK$234,662/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,738
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$120,369
−HK$3,689/mo
Today · 4.125%
HK$124,058
baseline
▲ 0.50% · 4.625%
HK$131,607
+HK$7,549/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$248,116/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,870
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$133,353
−HK$3,533/mo
Today · 4.125%
HK$136,886
baseline
▲ 0.50% · 4.625%
HK$144,102
+HK$7,216/mo
Deposit HK$10.97M · loan HK$25.60M · min. income ≈ HK$273,772/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,092
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$154,760
−HK$4,744/mo
Today · 4.125%
HK$159,504
baseline
▲ 0.50% · 4.625%
HK$169,209
+HK$9,705/mo
Deposit HK$3.66M · loan HK$32.91M · min. income ≈ HK$319,008/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,975
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$171,453
−HK$4,543/mo
Today · 4.125%
HK$175,996
baseline
▲ 0.50% · 4.625%
HK$185,273
+HK$9,277/mo
Deposit HK$3.66M · loan HK$32.91M · min. income ≈ HK$351,992/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,554,136 · Scale 2, in force from 26 Feb 2026)