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$82,158
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,713
−HK$2,597/mo
Today · 4.125%
HK$87,310
baseline
▲ 0.50% · 4.625%
HK$92,622
+HK$5,312/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,620/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,400
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,851
−HK$2,487/mo
Today · 4.125%
HK$96,338
baseline
▲ 0.50% · 4.625%
HK$101,416
+HK$5,078/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,676/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,589
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,656
−HK$3,116/mo
Today · 4.125%
HK$104,772
baseline
▲ 0.50% · 4.625%
HK$111,147
+HK$6,375/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,544/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,680
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,621
−HK$2,984/mo
Today · 4.125%
HK$115,605
baseline
▲ 0.50% · 4.625%
HK$121,699
+HK$6,094/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,210/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,021
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,599
−HK$3,635/mo
Today · 4.125%
HK$122,234
baseline
▲ 0.50% · 4.625%
HK$129,671
+HK$7,437/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,468/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,960
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,391
−HK$3,482/mo
Today · 4.125%
HK$134,873
baseline
▲ 0.50% · 4.625%
HK$141,982
+HK$7,109/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,746/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,884
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$152,484
−HK$4,674/mo
Today · 4.125%
HK$157,158
baseline
▲ 0.50% · 4.625%
HK$166,720
+HK$9,562/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,316/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,520
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$168,932
−HK$4,476/mo
Today · 4.125%
HK$173,408
baseline
▲ 0.50% · 4.625%
HK$182,549
+HK$9,141/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,816/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,279 · Scale 2, in force from 26 Feb 2026)