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$82,383
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,946
−HK$2,603/mo
Today · 4.125%
HK$87,549
baseline
▲ 0.50% · 4.625%
HK$92,876
+HK$5,327/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,098/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,650
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,108
−HK$2,494/mo
Today · 4.125%
HK$96,602
baseline
▲ 0.50% · 4.625%
HK$101,694
+HK$5,092/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,204/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,860
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,935
−HK$3,124/mo
Today · 4.125%
HK$105,059
baseline
▲ 0.50% · 4.625%
HK$111,452
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,118/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,980
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,930
−HK$2,992/mo
Today · 4.125%
HK$115,922
baseline
▲ 0.50% · 4.625%
HK$122,033
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,844/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,336
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,924
−HK$3,645/mo
Today · 4.125%
HK$122,569
baseline
▲ 0.50% · 4.625%
HK$130,027
+HK$7,458/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,138/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,310
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,752
−HK$3,491/mo
Today · 4.125%
HK$135,243
baseline
▲ 0.50% · 4.625%
HK$142,371
+HK$7,128/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,486/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,289
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,902
−HK$4,686/mo
Today · 4.125%
HK$157,588
baseline
▲ 0.50% · 4.625%
HK$167,177
+HK$9,589/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,176/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,970
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,395
−HK$4,488/mo
Today · 4.125%
HK$173,883
baseline
▲ 0.50% · 4.625%
HK$183,049
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,766/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,476 · Scale 2, in force from 26 Feb 2026)