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$82,641
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,211
−HK$2,612/mo
Today · 4.125%
HK$87,823
baseline
▲ 0.50% · 4.625%
HK$93,167
+HK$5,344/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,646/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,937
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,403
−HK$2,501/mo
Today · 4.125%
HK$96,904
baseline
▲ 0.50% · 4.625%
HK$102,012
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,808/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,169
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,254
−HK$3,134/mo
Today · 4.125%
HK$105,388
baseline
▲ 0.50% · 4.625%
HK$111,800
+HK$6,412/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,776/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,324
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,283
−HK$3,002/mo
Today · 4.125%
HK$116,285
baseline
▲ 0.50% · 4.625%
HK$122,414
+HK$6,129/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,570/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,697
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,296
−HK$3,656/mo
Today · 4.125%
HK$122,952
baseline
▲ 0.50% · 4.625%
HK$130,434
+HK$7,482/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,904/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,712
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,164
−HK$3,502/mo
Today · 4.125%
HK$135,666
baseline
▲ 0.50% · 4.625%
HK$142,817
+HK$7,151/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,332/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,753
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,380
−HK$4,701/mo
Today · 4.125%
HK$158,081
baseline
▲ 0.50% · 4.625%
HK$167,700
+HK$9,619/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,162/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,486
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$169,925
−HK$4,502/mo
Today · 4.125%
HK$174,427
baseline
▲ 0.50% · 4.625%
HK$183,621
+HK$9,194/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,854/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,279 · Scale 2, in force from 26 Feb 2026)