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$82,334
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,895
−HK$2,602/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,821
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,596
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,052
−HK$2,492/mo
Today · 4.125%
HK$96,544
baseline
▲ 0.50% · 4.625%
HK$101,633
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,088/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,801
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,874
−HK$3,122/mo
Today · 4.125%
HK$104,996
baseline
▲ 0.50% · 4.625%
HK$111,385
+HK$6,389/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,992/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,915
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,863
−HK$2,990/mo
Today · 4.125%
HK$115,853
baseline
▲ 0.50% · 4.625%
HK$121,960
+HK$6,107/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,706/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,267
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,853
−HK$3,643/mo
Today · 4.125%
HK$122,496
baseline
▲ 0.50% · 4.625%
HK$129,949
+HK$7,453/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$244,992/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,234
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,673
−HK$3,489/mo
Today · 4.125%
HK$135,162
baseline
▲ 0.50% · 4.625%
HK$142,287
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,324/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,201
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$152,811
−HK$4,684/mo
Today · 4.125%
HK$157,495
baseline
▲ 0.50% · 4.625%
HK$167,078
+HK$9,583/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$314,990/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,872
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,294
−HK$4,486/mo
Today · 4.125%
HK$173,780
baseline
▲ 0.50% · 4.625%
HK$182,940
+HK$9,160/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,560/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,561 · Scale 2, in force from 26 Feb 2026)