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$83,127
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,713
−HK$2,627/mo
Today · 4.125%
HK$88,340
baseline
▲ 0.50% · 4.625%
HK$93,715
+HK$5,375/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,680/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,478
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,958
−HK$2,516/mo
Today · 4.125%
HK$97,474
baseline
▲ 0.50% · 4.625%
HK$102,612
+HK$5,138/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,948/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,753
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,855
−HK$3,153/mo
Today · 4.125%
HK$106,008
baseline
▲ 0.50% · 4.625%
HK$112,458
+HK$6,450/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$212,016/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,974
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,950
−HK$3,019/mo
Today · 4.125%
HK$116,969
baseline
▲ 0.50% · 4.625%
HK$123,135
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,938/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,378
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$119,998
−HK$3,678/mo
Today · 4.125%
HK$123,676
baseline
▲ 0.50% · 4.625%
HK$131,201
+HK$7,525/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,352/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,469
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,942
−HK$3,522/mo
Today · 4.125%
HK$136,464
baseline
▲ 0.50% · 4.625%
HK$143,657
+HK$7,193/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,928/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,629
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$154,283
−HK$4,729/mo
Today · 4.125%
HK$159,012
baseline
▲ 0.50% · 4.625%
HK$168,687
+HK$9,675/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,024/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,461
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$170,925
−HK$4,529/mo
Today · 4.125%
HK$175,454
baseline
▲ 0.50% · 4.625%
HK$184,702
+HK$9,248/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,908/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,346 · Scale 2, in force from 26 Feb 2026)