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$82,361
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,923
−HK$2,603/mo
Today · 4.125%
HK$87,526
baseline
▲ 0.50% · 4.625%
HK$92,852
+HK$5,326/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,052/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,626
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,083
−HK$2,493/mo
Today · 4.125%
HK$96,576
baseline
▲ 0.50% · 4.625%
HK$101,667
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,152/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,834
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,908
−HK$3,123/mo
Today · 4.125%
HK$105,031
baseline
▲ 0.50% · 4.625%
HK$111,422
+HK$6,391/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,062/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,951
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,900
−HK$2,992/mo
Today · 4.125%
HK$115,892
baseline
▲ 0.50% · 4.625%
HK$122,000
+HK$6,108/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,784/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,306
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,892
−HK$3,644/mo
Today · 4.125%
HK$122,536
baseline
▲ 0.50% · 4.625%
HK$129,993
+HK$7,457/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$245,072/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,277
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,717
−HK$3,490/mo
Today · 4.125%
HK$135,207
baseline
▲ 0.50% · 4.625%
HK$142,334
+HK$7,127/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$270,414/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,250
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,862
−HK$4,685/mo
Today · 4.125%
HK$157,547
baseline
▲ 0.50% · 4.625%
HK$167,133
+HK$9,586/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,094/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,927
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,350
−HK$4,487/mo
Today · 4.125%
HK$173,837
baseline
▲ 0.50% · 4.625%
HK$183,001
+HK$9,164/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,674/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,071 · Scale 2, in force from 26 Feb 2026)