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$83,092
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,677
−HK$2,626/mo
Today · 4.125%
HK$88,303
baseline
▲ 0.50% · 4.625%
HK$93,676
+HK$5,373/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$176,606/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,439
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,918
−HK$2,515/mo
Today · 4.125%
HK$97,433
baseline
▲ 0.50% · 4.625%
HK$102,569
+HK$5,136/mo
Deposit HK$18.22M · loan HK$18.22M · min. income ≈ HK$194,866/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,711
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,812
−HK$3,151/mo
Today · 4.125%
HK$105,963
baseline
▲ 0.50% · 4.625%
HK$112,411
+HK$6,448/mo
Deposit HK$14.58M · loan HK$21.86M · min. income ≈ HK$211,926/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,927
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,902
−HK$3,018/mo
Today · 4.125%
HK$116,920
baseline
▲ 0.50% · 4.625%
HK$123,083
+HK$6,163/mo
Deposit HK$14.58M · loan HK$21.86M · min. income ≈ HK$233,840/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,329
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,948
−HK$3,676/mo
Today · 4.125%
HK$123,624
baseline
▲ 0.50% · 4.625%
HK$131,146
+HK$7,522/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$247,248/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,415
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,886
−HK$3,521/mo
Today · 4.125%
HK$136,407
baseline
▲ 0.50% · 4.625%
HK$143,597
+HK$7,190/mo
Deposit HK$10.93M · loan HK$25.51M · min. income ≈ HK$272,814/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,566
−HK$9,379/mo
▼ 0.25% · 3.875%
HK$154,218
−HK$4,727/mo
Today · 4.125%
HK$158,945
baseline
▲ 0.50% · 4.625%
HK$168,616
+HK$9,671/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$317,890/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,391
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$170,853
−HK$4,527/mo
Today · 4.125%
HK$175,380
baseline
▲ 0.50% · 4.625%
HK$184,625
+HK$9,245/mo
Deposit HK$3.64M · loan HK$32.80M · min. income ≈ HK$350,760/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,548,694 · Scale 2, in force from 26 Feb 2026)