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$83,248
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,837
−HK$2,631/mo
Today · 4.125%
HK$88,468
baseline
▲ 0.50% · 4.625%
HK$93,851
+HK$5,383/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,936/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,612
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,096
−HK$2,520/mo
Today · 4.125%
HK$97,616
baseline
▲ 0.50% · 4.625%
HK$102,761
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,232/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,897
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,004
−HK$3,158/mo
Today · 4.125%
HK$106,162
baseline
▲ 0.50% · 4.625%
HK$112,621
+HK$6,459/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,324/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,135
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,115
−HK$3,024/mo
Today · 4.125%
HK$117,139
baseline
▲ 0.50% · 4.625%
HK$123,313
+HK$6,174/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,278/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,547
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,172
−HK$3,683/mo
Today · 4.125%
HK$123,855
baseline
▲ 0.50% · 4.625%
HK$131,391
+HK$7,536/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$247,710/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,657
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,134
−HK$3,528/mo
Today · 4.125%
HK$136,662
baseline
▲ 0.50% · 4.625%
HK$143,866
+HK$7,204/mo
Deposit HK$10.95M · loan HK$25.56M · min. income ≈ HK$273,324/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,846
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,507
−HK$4,735/mo
Today · 4.125%
HK$159,242
baseline
▲ 0.50% · 4.625%
HK$168,932
+HK$9,690/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$318,484/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,702
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$171,173
−HK$4,535/mo
Today · 4.125%
HK$175,708
baseline
▲ 0.50% · 4.625%
HK$184,970
+HK$9,262/mo
Deposit HK$3.65M · loan HK$32.86M · min. income ≈ HK$351,416/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,590 · Scale 2, in force from 26 Feb 2026)