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$82,726
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,299
−HK$2,615/mo
Today · 4.125%
HK$87,914
baseline
▲ 0.50% · 4.625%
HK$93,263
+HK$5,349/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,828/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,032
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,500
−HK$2,504/mo
Today · 4.125%
HK$97,004
baseline
▲ 0.50% · 4.625%
HK$102,117
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$194,008/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,271
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,359
−HK$3,137/mo
Today · 4.125%
HK$105,496
baseline
▲ 0.50% · 4.625%
HK$111,916
+HK$6,420/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$210,992/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,438
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,400
−HK$3,005/mo
Today · 4.125%
HK$116,405
baseline
▲ 0.50% · 4.625%
HK$122,541
+HK$6,136/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$232,810/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,816
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,419
−HK$3,660/mo
Today · 4.125%
HK$123,079
baseline
▲ 0.50% · 4.625%
HK$130,568
+HK$7,489/mo
Deposit HK$10.88M · loan HK$25.40M · min. income ≈ HK$246,158/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,845
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,300
−HK$3,506/mo
Today · 4.125%
HK$135,806
baseline
▲ 0.50% · 4.625%
HK$142,964
+HK$7,158/mo
Deposit HK$10.88M · loan HK$25.40M · min. income ≈ HK$271,612/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,907
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$153,539
−HK$4,706/mo
Today · 4.125%
HK$158,245
baseline
▲ 0.50% · 4.625%
HK$167,873
+HK$9,628/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,490/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,657
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$170,100
−HK$4,507/mo
Today · 4.125%
HK$174,607
baseline
▲ 0.50% · 4.625%
HK$183,811
+HK$9,204/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,214/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,869 · Scale 2, in force from 26 Feb 2026)