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$82,390
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,603/mo
Today · 4.125%
HK$87,556
baseline
▲ 0.50% · 4.625%
HK$92,884
+HK$5,328/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,112/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,658
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,116
−HK$2,494/mo
Today · 4.125%
HK$96,610
baseline
▲ 0.50% · 4.625%
HK$101,702
+HK$5,092/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,220/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,868
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,943
−HK$3,125/mo
Today · 4.125%
HK$105,068
baseline
▲ 0.50% · 4.625%
HK$111,461
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,136/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,989
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,939
−HK$2,993/mo
Today · 4.125%
HK$115,932
baseline
▲ 0.50% · 4.625%
HK$122,043
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,864/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,346
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,934
−HK$3,645/mo
Today · 4.125%
HK$122,579
baseline
▲ 0.50% · 4.625%
HK$130,038
+HK$7,459/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,158/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,321
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,762
−HK$3,492/mo
Today · 4.125%
HK$135,254
baseline
▲ 0.50% · 4.625%
HK$142,383
+HK$7,129/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,508/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,302
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,915
−HK$4,686/mo
Today · 4.125%
HK$157,601
baseline
▲ 0.50% · 4.625%
HK$167,191
+HK$9,590/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,202/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,984
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,409
−HK$4,489/mo
Today · 4.125%
HK$173,898
baseline
▲ 0.50% · 4.625%
HK$183,064
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,796/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,603 · Scale 2, in force from 26 Feb 2026)