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$82,301
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,861
−HK$2,601/mo
Today · 4.125%
HK$87,462
baseline
▲ 0.50% · 4.625%
HK$92,783
+HK$5,321/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,924/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,559
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,014
−HK$2,491/mo
Today · 4.125%
HK$96,505
baseline
▲ 0.50% · 4.625%
HK$101,592
+HK$5,087/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,010/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,761
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,833
−HK$3,121/mo
Today · 4.125%
HK$104,954
baseline
▲ 0.50% · 4.625%
HK$111,340
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,908/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,870
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,817
−HK$2,989/mo
Today · 4.125%
HK$115,806
baseline
▲ 0.50% · 4.625%
HK$121,911
+HK$6,105/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,612/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,221
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,805
−HK$3,641/mo
Today · 4.125%
HK$122,446
baseline
▲ 0.50% · 4.625%
HK$129,897
+HK$7,451/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,892/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,182
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,620
−HK$3,487/mo
Today · 4.125%
HK$135,107
baseline
▲ 0.50% · 4.625%
HK$142,229
+HK$7,122/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,214/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,141
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,749
−HK$4,682/mo
Today · 4.125%
HK$157,431
baseline
▲ 0.50% · 4.625%
HK$167,010
+HK$9,579/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,862/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,806
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,226
−HK$4,484/mo
Today · 4.125%
HK$173,710
baseline
▲ 0.50% · 4.625%
HK$182,866
+HK$9,156/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,420/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,941 · Scale 2, in force from 26 Feb 2026)