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$82,504
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,071
−HK$2,607/mo
Today · 4.125%
HK$87,678
baseline
▲ 0.50% · 4.625%
HK$93,013
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,356/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,785
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,247
−HK$2,497/mo
Today · 4.125%
HK$96,744
baseline
▲ 0.50% · 4.625%
HK$101,844
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,488/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,005
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,085
−HK$3,129/mo
Today · 4.125%
HK$105,214
baseline
▲ 0.50% · 4.625%
HK$111,616
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,428/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,142
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,096
−HK$2,997/mo
Today · 4.125%
HK$116,093
baseline
▲ 0.50% · 4.625%
HK$122,212
+HK$6,119/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,186/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,506
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,099
−HK$3,650/mo
Today · 4.125%
HK$122,749
baseline
▲ 0.50% · 4.625%
HK$130,218
+HK$7,469/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,498/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,499
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,946
−HK$3,496/mo
Today · 4.125%
HK$135,442
baseline
▲ 0.50% · 4.625%
HK$142,581
+HK$7,139/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,884/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,508
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,127
−HK$4,694/mo
Today · 4.125%
HK$157,821
baseline
▲ 0.50% · 4.625%
HK$167,424
+HK$9,603/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,642/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,214
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$169,645
−HK$4,495/mo
Today · 4.125%
HK$174,140
baseline
▲ 0.50% · 4.625%
HK$183,319
+HK$9,179/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,280/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,739 · Scale 2, in force from 26 Feb 2026)