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$82,975
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,556
−HK$2,623/mo
Today · 4.125%
HK$88,179
baseline
▲ 0.50% · 4.625%
HK$93,544
+HK$5,365/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$176,358/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,309
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,512/mo
Today · 4.125%
HK$97,297
baseline
▲ 0.50% · 4.625%
HK$102,425
+HK$5,128/mo
Deposit HK$18.19M · loan HK$18.19M · min. income ≈ HK$194,594/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,571
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,668
−HK$3,146/mo
Today · 4.125%
HK$105,814
baseline
▲ 0.50% · 4.625%
HK$112,253
+HK$6,439/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$211,628/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,771
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,742
−HK$3,014/mo
Today · 4.125%
HK$116,756
baseline
▲ 0.50% · 4.625%
HK$122,910
+HK$6,154/mo
Deposit HK$14.56M · loan HK$21.83M · min. income ≈ HK$233,512/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,166
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,779
−HK$3,671/mo
Today · 4.125%
HK$123,450
baseline
▲ 0.50% · 4.625%
HK$130,962
+HK$7,512/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$246,900/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,233
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,699
−HK$3,516/mo
Today · 4.125%
HK$136,215
baseline
▲ 0.50% · 4.625%
HK$143,395
+HK$7,180/mo
Deposit HK$10.92M · loan HK$25.47M · min. income ≈ HK$272,430/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,356
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$154,002
−HK$4,720/mo
Today · 4.125%
HK$158,722
baseline
▲ 0.50% · 4.625%
HK$168,380
+HK$9,658/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$317,444/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,157
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,613
−HK$4,521/mo
Today · 4.125%
HK$175,134
baseline
▲ 0.50% · 4.625%
HK$184,365
+HK$9,231/mo
Deposit HK$3.64M · loan HK$32.75M · min. income ≈ HK$350,268/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,546,518 · Scale 2, in force from 26 Feb 2026)