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$82,534
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,101
−HK$2,608/mo
Today · 4.125%
HK$87,709
baseline
▲ 0.50% · 4.625%
HK$93,046
+HK$5,337/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,418/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,818
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,280
−HK$2,499/mo
Today · 4.125%
HK$96,779
baseline
▲ 0.50% · 4.625%
HK$101,880
+HK$5,101/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,558/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,040
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,121
−HK$3,130/mo
Today · 4.125%
HK$105,251
baseline
▲ 0.50% · 4.625%
HK$111,655
+HK$6,404/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,502/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,181
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,136
−HK$2,998/mo
Today · 4.125%
HK$116,134
baseline
▲ 0.50% · 4.625%
HK$122,256
+HK$6,122/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,268/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,547
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,141
−HK$3,652/mo
Today · 4.125%
HK$122,793
baseline
▲ 0.50% · 4.625%
HK$130,265
+HK$7,472/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,586/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,545
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$131,993
−HK$3,497/mo
Today · 4.125%
HK$135,490
baseline
▲ 0.50% · 4.625%
HK$142,632
+HK$7,142/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$270,980/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,561
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,182
−HK$4,695/mo
Today · 4.125%
HK$157,877
baseline
▲ 0.50% · 4.625%
HK$167,483
+HK$9,606/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,754/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,272
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$169,705
−HK$4,496/mo
Today · 4.125%
HK$174,201
baseline
▲ 0.50% · 4.625%
HK$183,384
+HK$9,183/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,402/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,284 · Scale 2, in force from 26 Feb 2026)