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$83,010
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,593
−HK$2,623/mo
Today · 4.125%
HK$88,216
baseline
▲ 0.50% · 4.625%
HK$93,584
+HK$5,368/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,432/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,348
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,825
−HK$2,513/mo
Today · 4.125%
HK$97,338
baseline
▲ 0.50% · 4.625%
HK$102,468
+HK$5,130/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,676/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,613
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,711
−HK$3,148/mo
Today · 4.125%
HK$105,859
baseline
▲ 0.50% · 4.625%
HK$112,300
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,718/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,818
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,790
−HK$3,015/mo
Today · 4.125%
HK$116,805
baseline
▲ 0.50% · 4.625%
HK$122,962
+HK$6,157/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,610/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,215
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,830
−HK$3,672/mo
Today · 4.125%
HK$123,502
baseline
▲ 0.50% · 4.625%
HK$131,017
+HK$7,515/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$247,004/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,288
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,755
−HK$3,518/mo
Today · 4.125%
HK$136,273
baseline
▲ 0.50% · 4.625%
HK$143,456
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,546/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,419
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,067
−HK$4,722/mo
Today · 4.125%
HK$158,789
baseline
▲ 0.50% · 4.625%
HK$168,451
+HK$9,662/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,578/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,227
−HK$8,981/mo
▼ 0.25% · 3.875%
HK$170,685
−HK$4,523/mo
Today · 4.125%
HK$175,208
baseline
▲ 0.50% · 4.625%
HK$184,443
+HK$9,235/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,416/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,170 · Scale 2, in force from 26 Feb 2026)