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$82,341
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,902
−HK$2,603/mo
Today · 4.125%
HK$87,505
baseline
▲ 0.50% · 4.625%
HK$92,829
+HK$5,324/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,010/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,604
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,060
−HK$2,493/mo
Today · 4.125%
HK$96,553
baseline
▲ 0.50% · 4.625%
HK$101,642
+HK$5,089/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,106/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,809
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,883
−HK$3,123/mo
Today · 4.125%
HK$105,006
baseline
▲ 0.50% · 4.625%
HK$111,395
+HK$6,389/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,012/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,924
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,872
−HK$2,991/mo
Today · 4.125%
HK$115,863
baseline
▲ 0.50% · 4.625%
HK$121,971
+HK$6,108/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,726/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,278
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,863
−HK$3,643/mo
Today · 4.125%
HK$122,506
baseline
▲ 0.50% · 4.625%
HK$129,961
+HK$7,455/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,012/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,245
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,685
−HK$3,489/mo
Today · 4.125%
HK$135,174
baseline
▲ 0.50% · 4.625%
HK$142,299
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,348/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,214
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$152,824
−HK$4,684/mo
Today · 4.125%
HK$157,508
baseline
▲ 0.50% · 4.625%
HK$167,092
+HK$9,584/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,016/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,887
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,309
−HK$4,486/mo
Today · 4.125%
HK$173,795
baseline
▲ 0.50% · 4.625%
HK$182,956
+HK$9,161/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,590/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,695 · Scale 2, in force from 26 Feb 2026)