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$82,792
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,367
−HK$2,616/mo
Today · 4.125%
HK$87,983
baseline
▲ 0.50% · 4.625%
HK$93,337
+HK$5,354/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$175,966/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,105
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,575
−HK$2,506/mo
Today · 4.125%
HK$97,081
baseline
▲ 0.50% · 4.625%
HK$102,198
+HK$5,117/mo
Deposit HK$18.15M · loan HK$18.15M · min. income ≈ HK$194,162/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,350
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,440
−HK$3,140/mo
Today · 4.125%
HK$105,580
baseline
▲ 0.50% · 4.625%
HK$112,004
+HK$6,424/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$211,160/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,526
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,490
−HK$3,007/mo
Today · 4.125%
HK$116,497
baseline
▲ 0.50% · 4.625%
HK$122,638
+HK$6,141/mo
Deposit HK$14.52M · loan HK$21.78M · min. income ≈ HK$232,994/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,908
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,514
−HK$3,663/mo
Today · 4.125%
HK$123,177
baseline
▲ 0.50% · 4.625%
HK$130,672
+HK$7,495/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$246,354/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,947
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,405
−HK$3,508/mo
Today · 4.125%
HK$135,913
baseline
▲ 0.50% · 4.625%
HK$143,078
+HK$7,165/mo
Deposit HK$10.89M · loan HK$25.42M · min. income ≈ HK$271,826/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,025
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,660
−HK$4,710/mo
Today · 4.125%
HK$158,370
baseline
▲ 0.50% · 4.625%
HK$168,007
+HK$9,637/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$316,740/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,789
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$170,235
−HK$4,511/mo
Today · 4.125%
HK$174,746
baseline
▲ 0.50% · 4.625%
HK$183,957
+HK$9,211/mo
Deposit HK$3.63M · loan HK$32.68M · min. income ≈ HK$349,492/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,543,092 · Scale 2, in force from 26 Feb 2026)