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$82,598
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,167
−HK$2,610/mo
Today · 4.125%
HK$87,777
baseline
▲ 0.50% · 4.625%
HK$93,118
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,554/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,889
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,353
−HK$2,501/mo
Today · 4.125%
HK$96,854
baseline
▲ 0.50% · 4.625%
HK$101,959
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,708/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,117
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,200
−HK$3,133/mo
Today · 4.125%
HK$105,333
baseline
▲ 0.50% · 4.625%
HK$111,742
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,666/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,267
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,224
−HK$3,000/mo
Today · 4.125%
HK$116,224
baseline
▲ 0.50% · 4.625%
HK$122,351
+HK$6,127/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,448/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,637
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,234
−HK$3,654/mo
Today · 4.125%
HK$122,888
baseline
▲ 0.50% · 4.625%
HK$130,366
+HK$7,478/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$245,776/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,645
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,095
−HK$3,500/mo
Today · 4.125%
HK$135,595
baseline
▲ 0.50% · 4.625%
HK$142,742
+HK$7,147/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$271,190/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,676
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$153,300
−HK$4,699/mo
Today · 4.125%
HK$157,999
baseline
▲ 0.50% · 4.625%
HK$167,613
+HK$9,614/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,998/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,400
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$169,836
−HK$4,500/mo
Today · 4.125%
HK$174,336
baseline
▲ 0.50% · 4.625%
HK$183,526
+HK$9,190/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,672/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,476 · Scale 2, in force from 26 Feb 2026)