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$83,316
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,908
−HK$2,633/mo
Today · 4.125%
HK$88,541
baseline
▲ 0.50% · 4.625%
HK$93,928
+HK$5,387/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,082/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,688
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,174
−HK$2,522/mo
Today · 4.125%
HK$97,696
baseline
▲ 0.50% · 4.625%
HK$102,846
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,392/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,979
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,089
−HK$3,160/mo
Today · 4.125%
HK$106,249
baseline
▲ 0.50% · 4.625%
HK$112,714
+HK$6,465/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$212,498/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,226
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,209
−HK$3,026/mo
Today · 4.125%
HK$117,235
baseline
▲ 0.50% · 4.625%
HK$123,415
+HK$6,180/mo
Deposit HK$14.62M · loan HK$21.92M · min. income ≈ HK$234,470/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,643
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,271
−HK$3,686/mo
Today · 4.125%
HK$123,957
baseline
▲ 0.50% · 4.625%
HK$131,500
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,914/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,764
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,244
−HK$3,531/mo
Today · 4.125%
HK$136,775
baseline
▲ 0.50% · 4.625%
HK$143,984
+HK$7,209/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,550/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,969
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,634
−HK$4,740/mo
Today · 4.125%
HK$159,374
baseline
▲ 0.50% · 4.625%
HK$169,071
+HK$9,697/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$318,748/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,839
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,314
−HK$4,539/mo
Today · 4.125%
HK$175,853
baseline
▲ 0.50% · 4.625%
HK$185,123
+HK$9,270/mo
Deposit HK$3.65M · loan HK$32.88M · min. income ≈ HK$351,706/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,552,870 · Scale 2, in force from 26 Feb 2026)