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$82,366
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,928
−HK$2,603/mo
Today · 4.125%
HK$87,531
baseline
▲ 0.50% · 4.625%
HK$92,857
+HK$5,326/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,062/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,631
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,088
−HK$2,494/mo
Today · 4.125%
HK$96,582
baseline
▲ 0.50% · 4.625%
HK$101,672
+HK$5,090/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,164/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,839
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,913
−HK$3,124/mo
Today · 4.125%
HK$105,037
baseline
▲ 0.50% · 4.625%
HK$111,428
+HK$6,391/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,074/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,957
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,906
−HK$2,992/mo
Today · 4.125%
HK$115,898
baseline
▲ 0.50% · 4.625%
HK$122,007
+HK$6,109/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,796/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,312
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,899
−HK$3,644/mo
Today · 4.125%
HK$122,543
baseline
▲ 0.50% · 4.625%
HK$129,999
+HK$7,456/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$245,086/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,283
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,724
−HK$3,490/mo
Today · 4.125%
HK$135,214
baseline
▲ 0.50% · 4.625%
HK$142,341
+HK$7,127/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$270,428/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,258
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,870
−HK$4,685/mo
Today · 4.125%
HK$157,555
baseline
▲ 0.50% · 4.625%
HK$167,142
+HK$9,587/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,110/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,936
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,359
−HK$4,488/mo
Today · 4.125%
HK$173,847
baseline
▲ 0.50% · 4.625%
HK$183,010
+HK$9,163/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,694/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,153 · Scale 2, in force from 26 Feb 2026)