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$82,329
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,890
−HK$2,602/mo
Today · 4.125%
HK$87,492
baseline
▲ 0.50% · 4.625%
HK$92,816
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,984/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,591
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,047
−HK$2,492/mo
Today · 4.125%
HK$96,539
baseline
▲ 0.50% · 4.625%
HK$101,628
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,078/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,795
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,868
−HK$3,123/mo
Today · 4.125%
HK$104,991
baseline
▲ 0.50% · 4.625%
HK$111,379
+HK$6,388/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,982/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,909
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,856
−HK$2,991/mo
Today · 4.125%
HK$115,847
baseline
▲ 0.50% · 4.625%
HK$121,953
+HK$6,106/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,694/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,261
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,846
−HK$3,643/mo
Today · 4.125%
HK$122,489
baseline
▲ 0.50% · 4.625%
HK$129,942
+HK$7,453/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,978/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,227
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,666
−HK$3,489/mo
Today · 4.125%
HK$135,155
baseline
▲ 0.50% · 4.625%
HK$142,279
+HK$7,124/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,310/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,193
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,803
−HK$4,683/mo
Today · 4.125%
HK$157,486
baseline
▲ 0.50% · 4.625%
HK$167,069
+HK$9,583/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$314,972/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,863
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,285
−HK$4,485/mo
Today · 4.125%
HK$173,770
baseline
▲ 0.50% · 4.625%
HK$182,930
+HK$9,160/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$347,540/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,477 · Scale 2, in force from 26 Feb 2026)