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$82,644
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,215
−HK$2,611/mo
Today · 4.125%
HK$87,826
baseline
▲ 0.50% · 4.625%
HK$93,170
+HK$5,344/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,652/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,940
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,406
−HK$2,502/mo
Today · 4.125%
HK$96,908
baseline
▲ 0.50% · 4.625%
HK$102,016
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,816/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,173
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,257
−HK$3,135/mo
Today · 4.125%
HK$105,392
baseline
▲ 0.50% · 4.625%
HK$111,804
+HK$6,412/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,784/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,329
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,287
−HK$3,002/mo
Today · 4.125%
HK$116,289
baseline
▲ 0.50% · 4.625%
HK$122,419
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,578/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,701
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,300
−HK$3,657/mo
Today · 4.125%
HK$122,957
baseline
▲ 0.50% · 4.625%
HK$130,439
+HK$7,482/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,914/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,717
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,169
−HK$3,502/mo
Today · 4.125%
HK$135,671
baseline
▲ 0.50% · 4.625%
HK$142,822
+HK$7,151/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,342/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,759
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,386
−HK$4,701/mo
Today · 4.125%
HK$158,087
baseline
▲ 0.50% · 4.625%
HK$167,707
+HK$9,620/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,174/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,493
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$169,931
−HK$4,503/mo
Today · 4.125%
HK$174,434
baseline
▲ 0.50% · 4.625%
HK$183,629
+HK$9,195/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,868/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,338 · Scale 2, in force from 26 Feb 2026)