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$82,553
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,121
−HK$2,609/mo
Today · 4.125%
HK$87,730
baseline
▲ 0.50% · 4.625%
HK$93,068
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,460/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,840
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,303
−HK$2,499/mo
Today · 4.125%
HK$96,802
baseline
▲ 0.50% · 4.625%
HK$101,904
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,604/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,064
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,146
−HK$3,130/mo
Today · 4.125%
HK$105,276
baseline
▲ 0.50% · 4.625%
HK$111,682
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,552/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,208
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,164
−HK$2,998/mo
Today · 4.125%
HK$116,162
baseline
▲ 0.50% · 4.625%
HK$122,285
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,324/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,575
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,170
−HK$3,652/mo
Today · 4.125%
HK$122,822
baseline
▲ 0.50% · 4.625%
HK$130,296
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,644/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,576
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,024
−HK$3,498/mo
Today · 4.125%
HK$135,522
baseline
▲ 0.50% · 4.625%
HK$142,666
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,044/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,596
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,218
−HK$4,696/mo
Today · 4.125%
HK$157,914
baseline
▲ 0.50% · 4.625%
HK$167,523
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,828/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,312
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,745
−HK$4,498/mo
Today · 4.125%
HK$174,243
baseline
▲ 0.50% · 4.625%
HK$183,428
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,486/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,652 · Scale 2, in force from 26 Feb 2026)