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$82,671
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,242
−HK$2,613/mo
Today · 4.125%
HK$87,855
baseline
▲ 0.50% · 4.625%
HK$93,201
+HK$5,346/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,710/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,970
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,437
−HK$2,502/mo
Today · 4.125%
HK$96,939
baseline
▲ 0.50% · 4.625%
HK$102,049
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,878/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,205
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,291
−HK$3,135/mo
Today · 4.125%
HK$105,426
baseline
▲ 0.50% · 4.625%
HK$111,841
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,852/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,365
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,325
−HK$3,002/mo
Today · 4.125%
HK$116,327
baseline
▲ 0.50% · 4.625%
HK$122,459
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,654/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,739
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,339
−HK$3,658/mo
Today · 4.125%
HK$122,997
baseline
▲ 0.50% · 4.625%
HK$130,481
+HK$7,484/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$245,994/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,759
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,212
−HK$3,503/mo
Today · 4.125%
HK$135,715
baseline
▲ 0.50% · 4.625%
HK$142,869
+HK$7,154/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,430/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,808
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,436
−HK$4,703/mo
Today · 4.125%
HK$158,139
baseline
▲ 0.50% · 4.625%
HK$167,761
+HK$9,622/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,278/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,547
−HK$8,944/mo
▼ 0.25% · 3.875%
HK$169,987
−HK$4,504/mo
Today · 4.125%
HK$174,491
baseline
▲ 0.50% · 4.625%
HK$183,689
+HK$9,198/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$348,982/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,841 · Scale 2, in force from 26 Feb 2026)