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$83,024
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,624/mo
Today · 4.125%
HK$88,230
baseline
▲ 0.50% · 4.625%
HK$93,599
+HK$5,369/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,460/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,363
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,840
−HK$2,513/mo
Today · 4.125%
HK$97,353
baseline
▲ 0.50% · 4.625%
HK$102,485
+HK$5,132/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,706/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,628
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,727
−HK$3,149/mo
Today · 4.125%
HK$105,876
baseline
▲ 0.50% · 4.625%
HK$112,318
+HK$6,442/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$211,752/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,836
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,808
−HK$3,016/mo
Today · 4.125%
HK$116,824
baseline
▲ 0.50% · 4.625%
HK$122,982
+HK$6,158/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$233,648/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,233
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,849
−HK$3,673/mo
Today · 4.125%
HK$123,522
baseline
▲ 0.50% · 4.625%
HK$131,038
+HK$7,516/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,044/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,308
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,776
−HK$3,518/mo
Today · 4.125%
HK$136,294
baseline
▲ 0.50% · 4.625%
HK$143,479
+HK$7,185/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,588/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,443
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$154,091
−HK$4,723/mo
Today · 4.125%
HK$158,814
baseline
▲ 0.50% · 4.625%
HK$168,478
+HK$9,664/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,628/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,254
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$170,712
−HK$4,524/mo
Today · 4.125%
HK$175,236
baseline
▲ 0.50% · 4.625%
HK$184,473
+HK$9,237/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,472/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,418 · Scale 2, in force from 26 Feb 2026)