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$82,214
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,771
−HK$2,598/mo
Today · 4.125%
HK$87,369
baseline
▲ 0.50% · 4.625%
HK$92,686
+HK$5,317/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,738/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,462
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,915
−HK$2,489/mo
Today · 4.125%
HK$96,404
baseline
▲ 0.50% · 4.625%
HK$101,485
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,808/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,657
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,725
−HK$3,118/mo
Today · 4.125%
HK$104,843
baseline
▲ 0.50% · 4.625%
HK$111,223
+HK$6,380/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,686/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,755
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,698
−HK$2,986/mo
Today · 4.125%
HK$115,684
baseline
▲ 0.50% · 4.625%
HK$121,782
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,368/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,099
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,680
−HK$3,637/mo
Today · 4.125%
HK$122,317
baseline
▲ 0.50% · 4.625%
HK$129,760
+HK$7,443/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,634/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,047
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,481
−HK$3,484/mo
Today · 4.125%
HK$134,965
baseline
▲ 0.50% · 4.625%
HK$142,079
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,930/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,985
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,588
−HK$4,677/mo
Today · 4.125%
HK$157,265
baseline
▲ 0.50% · 4.625%
HK$166,834
+HK$9,569/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,530/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,632
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,047
−HK$4,479/mo
Today · 4.125%
HK$173,526
baseline
▲ 0.50% · 4.625%
HK$182,673
+HK$9,147/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,052/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,323 · Scale 2, in force from 26 Feb 2026)