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$82,181
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,738
−HK$2,597/mo
Today · 4.125%
HK$87,335
baseline
▲ 0.50% · 4.625%
HK$92,649
+HK$5,314/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,670/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,426
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,878
−HK$2,487/mo
Today · 4.125%
HK$96,365
baseline
▲ 0.50% · 4.625%
HK$101,445
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,730/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,618
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,685
−HK$3,117/mo
Today · 4.125%
HK$104,802
baseline
▲ 0.50% · 4.625%
HK$111,179
+HK$6,377/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$209,604/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,711
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,654
−HK$2,984/mo
Today · 4.125%
HK$115,638
baseline
▲ 0.50% · 4.625%
HK$121,734
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$231,276/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,054
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,633
−HK$3,636/mo
Today · 4.125%
HK$122,269
baseline
▲ 0.50% · 4.625%
HK$129,709
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,538/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,996
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,429
−HK$3,483/mo
Today · 4.125%
HK$134,912
baseline
▲ 0.50% · 4.625%
HK$142,023
+HK$7,111/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,824/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,926
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,528
−HK$4,675/mo
Today · 4.125%
HK$157,203
baseline
▲ 0.50% · 4.625%
HK$166,768
+HK$9,565/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,406/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,567
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$168,980
−HK$4,478/mo
Today · 4.125%
HK$173,458
baseline
▲ 0.50% · 4.625%
HK$182,601
+HK$9,143/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,916/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,717 · Scale 2, in force from 26 Feb 2026)