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$82,149
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,596/mo
Today · 4.125%
HK$87,301
baseline
▲ 0.50% · 4.625%
HK$92,613
+HK$5,312/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,602/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,390
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,841
−HK$2,487/mo
Today · 4.125%
HK$96,328
baseline
▲ 0.50% · 4.625%
HK$101,405
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,656/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,579
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$3,116/mo
Today · 4.125%
HK$104,761
baseline
▲ 0.50% · 4.625%
HK$111,135
+HK$6,374/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,522/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,668
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,609
−HK$2,984/mo
Today · 4.125%
HK$115,593
baseline
▲ 0.50% · 4.625%
HK$121,686
+HK$6,093/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,186/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,009
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,586
−HK$3,635/mo
Today · 4.125%
HK$122,221
baseline
▲ 0.50% · 4.625%
HK$129,658
+HK$7,437/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,442/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,946
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,378
−HK$3,481/mo
Today · 4.125%
HK$134,859
baseline
▲ 0.50% · 4.625%
HK$141,967
+HK$7,108/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,718/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,869
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,468
−HK$4,673/mo
Today · 4.125%
HK$157,141
baseline
▲ 0.50% · 4.625%
HK$166,703
+HK$9,562/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,282/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,502
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$168,914
−HK$4,476/mo
Today · 4.125%
HK$173,390
baseline
▲ 0.50% · 4.625%
HK$182,530
+HK$9,140/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,780/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,119 · Scale 2, in force from 26 Feb 2026)