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$83,102
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,687
−HK$2,626/mo
Today · 4.125%
HK$88,313
baseline
▲ 0.50% · 4.625%
HK$93,687
+HK$5,374/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,626/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,450
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,516/mo
Today · 4.125%
HK$97,445
baseline
▲ 0.50% · 4.625%
HK$102,581
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,890/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,722
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,824
−HK$3,152/mo
Today · 4.125%
HK$105,976
baseline
▲ 0.50% · 4.625%
HK$112,424
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$211,952/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,940
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,915
−HK$3,019/mo
Today · 4.125%
HK$116,934
baseline
▲ 0.50% · 4.625%
HK$123,097
+HK$6,163/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,868/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,343
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,961
−HK$3,677/mo
Today · 4.125%
HK$123,638
baseline
▲ 0.50% · 4.625%
HK$131,161
+HK$7,523/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,276/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,430
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,901
−HK$3,522/mo
Today · 4.125%
HK$136,423
baseline
▲ 0.50% · 4.625%
HK$143,614
+HK$7,191/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,846/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,583
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$154,236
−HK$4,727/mo
Today · 4.125%
HK$158,963
baseline
▲ 0.50% · 4.625%
HK$168,636
+HK$9,673/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,926/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,410
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$170,873
−HK$4,527/mo
Today · 4.125%
HK$175,400
baseline
▲ 0.50% · 4.625%
HK$184,646
+HK$9,246/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,800/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,873 · Scale 2, in force from 26 Feb 2026)