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$82,767
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,342
−HK$2,616/mo
Today · 4.125%
HK$87,958
baseline
▲ 0.50% · 4.625%
HK$93,310
+HK$5,352/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$175,916/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,078
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,547
−HK$2,506/mo
Today · 4.125%
HK$97,053
baseline
▲ 0.50% · 4.625%
HK$102,168
+HK$5,115/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$194,106/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,321
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,410
−HK$3,139/mo
Today · 4.125%
HK$105,549
baseline
▲ 0.50% · 4.625%
HK$111,972
+HK$6,423/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$211,098/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,493
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,457
−HK$3,006/mo
Today · 4.125%
HK$116,463
baseline
▲ 0.50% · 4.625%
HK$122,602
+HK$6,139/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$232,926/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,874
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,479
−HK$3,662/mo
Today · 4.125%
HK$123,141
baseline
▲ 0.50% · 4.625%
HK$130,633
+HK$7,492/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$246,282/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,909
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,366
−HK$3,508/mo
Today · 4.125%
HK$135,874
baseline
▲ 0.50% · 4.625%
HK$143,036
+HK$7,162/mo
Deposit HK$10.89M · loan HK$25.41M · min. income ≈ HK$271,748/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,981
−HK$9,343/mo
▼ 0.25% · 3.875%
HK$153,615
−HK$4,709/mo
Today · 4.125%
HK$158,324
baseline
▲ 0.50% · 4.625%
HK$167,957
+HK$9,633/mo
Deposit HK$3.63M · loan HK$32.67M · min. income ≈ HK$316,648/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,740
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$170,185
−HK$4,510/mo
Today · 4.125%
HK$174,695
baseline
▲ 0.50% · 4.625%
HK$183,903
+HK$9,208/mo
Deposit HK$3.63M · loan HK$32.67M · min. income ≈ HK$349,390/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,639 · Scale 2, in force from 26 Feb 2026)