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$82,293
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,853
−HK$2,600/mo
Today · 4.125%
HK$87,453
baseline
▲ 0.50% · 4.625%
HK$92,775
+HK$5,322/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,906/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,550
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,005
−HK$2,491/mo
Today · 4.125%
HK$96,496
baseline
▲ 0.50% · 4.625%
HK$101,583
+HK$5,087/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,992/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,823
−HK$3,121/mo
Today · 4.125%
HK$104,944
baseline
▲ 0.50% · 4.625%
HK$111,330
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.65M · min. income ≈ HK$209,888/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,860
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,806
−HK$2,989/mo
Today · 4.125%
HK$115,795
baseline
▲ 0.50% · 4.625%
HK$121,899
+HK$6,104/mo
Deposit HK$14.44M · loan HK$21.65M · min. income ≈ HK$231,590/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,210
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,794
−HK$3,641/mo
Today · 4.125%
HK$122,435
baseline
▲ 0.50% · 4.625%
HK$129,885
+HK$7,450/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,870/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,170
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,607
−HK$3,488/mo
Today · 4.125%
HK$135,095
baseline
▲ 0.50% · 4.625%
HK$142,216
+HK$7,121/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,190/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,127
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$152,735
−HK$4,681/mo
Today · 4.125%
HK$157,416
baseline
▲ 0.50% · 4.625%
HK$166,994
+HK$9,578/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,832/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,790
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,210
−HK$4,483/mo
Today · 4.125%
HK$173,693
baseline
▲ 0.50% · 4.625%
HK$182,849
+HK$9,156/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,386/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,796 · Scale 2, in force from 26 Feb 2026)