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$82,556
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,124
−HK$2,609/mo
Today · 4.125%
HK$87,733
baseline
▲ 0.50% · 4.625%
HK$93,071
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,466/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,843
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,306
−HK$2,499/mo
Today · 4.125%
HK$96,805
baseline
▲ 0.50% · 4.625%
HK$101,907
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,610/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,067
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,149
−HK$3,130/mo
Today · 4.125%
HK$105,279
baseline
▲ 0.50% · 4.625%
HK$111,685
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,558/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,211
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,167
−HK$2,998/mo
Today · 4.125%
HK$116,165
baseline
▲ 0.50% · 4.625%
HK$122,289
+HK$6,124/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,330/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,578
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,173
−HK$3,653/mo
Today · 4.125%
HK$122,826
baseline
▲ 0.50% · 4.625%
HK$130,300
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,652/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,580
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,028
−HK$3,498/mo
Today · 4.125%
HK$135,526
baseline
▲ 0.50% · 4.625%
HK$142,670
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,052/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,601
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,223
−HK$4,696/mo
Today · 4.125%
HK$157,919
baseline
▲ 0.50% · 4.625%
HK$167,528
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,838/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,317
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,750
−HK$4,498/mo
Today · 4.125%
HK$174,248
baseline
▲ 0.50% · 4.625%
HK$183,433
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,496/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,697 · Scale 2, in force from 26 Feb 2026)