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$82,761
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,335
−HK$2,616/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$93,303
+HK$5,352/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,071
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,540
−HK$2,505/mo
Today · 4.125%
HK$97,045
baseline
▲ 0.50% · 4.625%
HK$102,161
+HK$5,116/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$194,090/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,313
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,402
−HK$3,139/mo
Today · 4.125%
HK$105,541
baseline
▲ 0.50% · 4.625%
HK$111,963
+HK$6,422/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$211,082/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,485
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,448
−HK$3,006/mo
Today · 4.125%
HK$116,454
baseline
▲ 0.50% · 4.625%
HK$122,593
+HK$6,139/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$232,908/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,865
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,470
−HK$3,661/mo
Today · 4.125%
HK$123,131
baseline
▲ 0.50% · 4.625%
HK$130,624
+HK$7,493/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$246,262/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,899
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,356
−HK$3,507/mo
Today · 4.125%
HK$135,863
baseline
▲ 0.50% · 4.625%
HK$143,025
+HK$7,162/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$271,726/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,970
−HK$9,342/mo
▼ 0.25% · 3.875%
HK$153,604
−HK$4,708/mo
Today · 4.125%
HK$158,312
baseline
▲ 0.50% · 4.625%
HK$167,945
+HK$9,633/mo
Deposit HK$3.63M · loan HK$32.67M · min. income ≈ HK$316,624/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,728
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$170,172
−HK$4,509/mo
Today · 4.125%
HK$174,681
baseline
▲ 0.50% · 4.625%
HK$183,889
+HK$9,208/mo
Deposit HK$3.63M · loan HK$32.67M · min. income ≈ HK$349,362/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,522 · Scale 2, in force from 26 Feb 2026)