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$83,129
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,627/mo
Today · 4.125%
HK$88,342
baseline
▲ 0.50% · 4.625%
HK$93,717
+HK$5,375/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,684/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,480
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,960
−HK$2,517/mo
Today · 4.125%
HK$97,477
baseline
▲ 0.50% · 4.625%
HK$102,615
+HK$5,138/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,954/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,755
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,858
−HK$3,152/mo
Today · 4.125%
HK$106,010
baseline
▲ 0.50% · 4.625%
HK$112,461
+HK$6,451/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$212,020/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,976
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,019/mo
Today · 4.125%
HK$116,972
baseline
▲ 0.50% · 4.625%
HK$123,138
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,944/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,381
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,001
−HK$3,678/mo
Today · 4.125%
HK$123,679
baseline
▲ 0.50% · 4.625%
HK$131,204
+HK$7,525/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,358/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,472
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,945
−HK$3,522/mo
Today · 4.125%
HK$136,467
baseline
▲ 0.50% · 4.625%
HK$143,661
+HK$7,194/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,934/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,632
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$154,287
−HK$4,728/mo
Today · 4.125%
HK$159,015
baseline
▲ 0.50% · 4.625%
HK$168,691
+HK$9,676/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,030/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,464
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,929
−HK$4,529/mo
Today · 4.125%
HK$175,458
baseline
▲ 0.50% · 4.625%
HK$184,707
+HK$9,249/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,916/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,380 · Scale 2, in force from 26 Feb 2026)