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$82,996
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,578
−HK$2,623/mo
Today · 4.125%
HK$88,201
baseline
▲ 0.50% · 4.625%
HK$93,568
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,402/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,333
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,809
−HK$2,512/mo
Today · 4.125%
HK$97,321
baseline
▲ 0.50% · 4.625%
HK$102,451
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,642/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,596
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,694
−HK$3,147/mo
Today · 4.125%
HK$105,841
baseline
▲ 0.50% · 4.625%
HK$112,281
+HK$6,440/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,682/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,799
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,771
−HK$3,014/mo
Today · 4.125%
HK$116,785
baseline
▲ 0.50% · 4.625%
HK$122,941
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,570/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,195
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,809
−HK$3,672/mo
Today · 4.125%
HK$123,481
baseline
▲ 0.50% · 4.625%
HK$130,995
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,962/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,266
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,732
−HK$3,517/mo
Today · 4.125%
HK$136,249
baseline
▲ 0.50% · 4.625%
HK$143,431
+HK$7,182/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,498/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,393
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,040
−HK$4,722/mo
Today · 4.125%
HK$158,762
baseline
▲ 0.50% · 4.625%
HK$168,422
+HK$9,660/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,524/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,199
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,656
−HK$4,522/mo
Today · 4.125%
HK$175,178
baseline
▲ 0.50% · 4.625%
HK$184,412
+HK$9,234/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,356/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,907 · Scale 2, in force from 26 Feb 2026)