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$83,156
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,742
−HK$2,628/mo
Today · 4.125%
HK$88,370
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$5,378/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,740/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,510
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,991
−HK$2,517/mo
Today · 4.125%
HK$97,508
baseline
▲ 0.50% · 4.625%
HK$102,648
+HK$5,140/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$195,016/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,787
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,891
−HK$3,154/mo
Today · 4.125%
HK$106,045
baseline
▲ 0.50% · 4.625%
HK$112,497
+HK$6,452/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$212,090/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,012
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,989
−HK$3,021/mo
Today · 4.125%
HK$117,010
baseline
▲ 0.50% · 4.625%
HK$123,177
+HK$6,167/mo
Deposit HK$14.59M · loan HK$21.88M · min. income ≈ HK$234,020/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,418
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,039
−HK$3,680/mo
Today · 4.125%
HK$123,719
baseline
▲ 0.50% · 4.625%
HK$131,247
+HK$7,528/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$247,438/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,514
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,988
−HK$3,523/mo
Today · 4.125%
HK$136,511
baseline
▲ 0.50% · 4.625%
HK$143,707
+HK$7,196/mo
Deposit HK$10.94M · loan HK$25.53M · min. income ≈ HK$273,022/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,680
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$154,336
−HK$4,731/mo
Today · 4.125%
HK$159,067
baseline
▲ 0.50% · 4.625%
HK$168,746
+HK$9,679/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$318,134/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,518
−HK$8,996/mo
▼ 0.25% · 3.875%
HK$170,984
−HK$4,530/mo
Today · 4.125%
HK$175,514
baseline
▲ 0.50% · 4.625%
HK$184,766
+HK$9,252/mo
Deposit HK$3.65M · loan HK$32.82M · min. income ≈ HK$351,028/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,549,880 · Scale 2, in force from 26 Feb 2026)