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$82,943
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,523
−HK$2,621/mo
Today · 4.125%
HK$88,144
baseline
▲ 0.50% · 4.625%
HK$93,508
+HK$5,364/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,288/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,273
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,748
−HK$2,511/mo
Today · 4.125%
HK$97,259
baseline
▲ 0.50% · 4.625%
HK$102,385
+HK$5,126/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,518/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,532
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,628
−HK$3,145/mo
Today · 4.125%
HK$105,773
baseline
▲ 0.50% · 4.625%
HK$112,209
+HK$6,436/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,546/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,728
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,698
−HK$3,012/mo
Today · 4.125%
HK$116,710
baseline
▲ 0.50% · 4.625%
HK$122,862
+HK$6,152/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,420/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,120
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,732
−HK$3,670/mo
Today · 4.125%
HK$123,402
baseline
▲ 0.50% · 4.625%
HK$130,911
+HK$7,509/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,804/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,183
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,647
−HK$3,515/mo
Today · 4.125%
HK$136,162
baseline
▲ 0.50% · 4.625%
HK$143,339
+HK$7,177/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,324/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,297
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$153,941
−HK$4,719/mo
Today · 4.125%
HK$158,660
baseline
▲ 0.50% · 4.625%
HK$168,314
+HK$9,654/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$317,320/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,092
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$170,546
−HK$4,519/mo
Today · 4.125%
HK$175,065
baseline
▲ 0.50% · 4.625%
HK$184,293
+HK$9,228/mo
Deposit HK$3.64M · loan HK$32.74M · min. income ≈ HK$350,130/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,914 · Scale 2, in force from 26 Feb 2026)