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$82,233
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,791
−HK$2,599/mo
Today · 4.125%
HK$87,390
baseline
▲ 0.50% · 4.625%
HK$92,707
+HK$5,317/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,780/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,484
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,937
−HK$2,489/mo
Today · 4.125%
HK$96,426
baseline
▲ 0.50% · 4.625%
HK$101,509
+HK$5,083/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,852/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,680
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,749
−HK$3,119/mo
Today · 4.125%
HK$104,868
baseline
▲ 0.50% · 4.625%
HK$111,249
+HK$6,381/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,736/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,780
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,724
−HK$2,987/mo
Today · 4.125%
HK$115,711
baseline
▲ 0.50% · 4.625%
HK$121,811
+HK$6,100/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,422/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,126
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,707
−HK$3,639/mo
Today · 4.125%
HK$122,346
baseline
▲ 0.50% · 4.625%
HK$129,790
+HK$7,444/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,692/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,077
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,512
−HK$3,485/mo
Today · 4.125%
HK$134,997
baseline
▲ 0.50% · 4.625%
HK$142,112
+HK$7,115/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,994/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,020
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$152,624
−HK$4,678/mo
Today · 4.125%
HK$157,302
baseline
▲ 0.50% · 4.625%
HK$166,873
+HK$9,571/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,604/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,670
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,087
−HK$4,480/mo
Today · 4.125%
HK$173,567
baseline
▲ 0.50% · 4.625%
HK$182,716
+HK$9,149/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,134/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,682 · Scale 2, in force from 26 Feb 2026)