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$83,213
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,801
−HK$2,630/mo
Today · 4.125%
HK$88,431
baseline
▲ 0.50% · 4.625%
HK$93,812
+HK$5,381/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,862/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,573
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,056
−HK$2,519/mo
Today · 4.125%
HK$97,575
baseline
▲ 0.50% · 4.625%
HK$102,718
+HK$5,143/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,150/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,855
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,961
−HK$3,156/mo
Today · 4.125%
HK$106,117
baseline
▲ 0.50% · 4.625%
HK$112,574
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,234/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,088
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,067
−HK$3,023/mo
Today · 4.125%
HK$117,090
baseline
▲ 0.50% · 4.625%
HK$123,262
+HK$6,172/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,180/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,498
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,121
−HK$3,682/mo
Today · 4.125%
HK$123,803
baseline
▲ 0.50% · 4.625%
HK$131,336
+HK$7,533/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$247,606/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,603
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,078
−HK$3,527/mo
Today · 4.125%
HK$136,605
baseline
▲ 0.50% · 4.625%
HK$143,805
+HK$7,200/mo
Deposit HK$10.95M · loan HK$25.54M · min. income ≈ HK$273,210/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,783
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,442
−HK$4,734/mo
Today · 4.125%
HK$159,176
baseline
▲ 0.50% · 4.625%
HK$168,861
+HK$9,685/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$318,352/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,632
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,101
−HK$4,533/mo
Today · 4.125%
HK$175,634
baseline
▲ 0.50% · 4.625%
HK$184,892
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.84M · min. income ≈ HK$351,268/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,550,939 · Scale 2, in force from 26 Feb 2026)