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$83,471
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,068
−HK$2,638/mo
Today · 4.125%
HK$88,706
baseline
▲ 0.50% · 4.625%
HK$94,103
+HK$5,397/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,412/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,861
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,526/mo
Today · 4.125%
HK$97,878
baseline
▲ 0.50% · 4.625%
HK$103,037
+HK$5,159/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,756/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,281
−HK$3,166/mo
Today · 4.125%
HK$106,447
baseline
▲ 0.50% · 4.625%
HK$112,924
+HK$6,477/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,894/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,433
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,422
−HK$3,032/mo
Today · 4.125%
HK$117,454
baseline
▲ 0.50% · 4.625%
HK$123,645
+HK$6,191/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,908/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,860
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,495
−HK$3,693/mo
Today · 4.125%
HK$124,188
baseline
▲ 0.50% · 4.625%
HK$131,745
+HK$7,557/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,376/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,005
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,492
−HK$3,537/mo
Today · 4.125%
HK$137,029
baseline
▲ 0.50% · 4.625%
HK$144,252
+HK$7,223/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$274,058/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,248
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$154,922
−HK$4,748/mo
Today · 4.125%
HK$159,670
baseline
▲ 0.50% · 4.625%
HK$169,386
+HK$9,716/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,340/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,150
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$171,633
−HK$4,547/mo
Today · 4.125%
HK$176,180
baseline
▲ 0.50% · 4.625%
HK$185,467
+HK$9,287/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,360/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,761 · Scale 2, in force from 26 Feb 2026)