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$82,442
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,007
−HK$2,605/mo
Today · 4.125%
HK$87,612
baseline
▲ 0.50% · 4.625%
HK$92,943
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,224/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,716
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,176
−HK$2,495/mo
Today · 4.125%
HK$96,671
baseline
▲ 0.50% · 4.625%
HK$101,767
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,342/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,931
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,008
−HK$3,127/mo
Today · 4.125%
HK$105,135
baseline
▲ 0.50% · 4.625%
HK$111,532
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,270/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,060
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,011
−HK$2,995/mo
Today · 4.125%
HK$116,006
baseline
▲ 0.50% · 4.625%
HK$122,121
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,012/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,419
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,009
−HK$3,648/mo
Today · 4.125%
HK$122,657
baseline
▲ 0.50% · 4.625%
HK$130,120
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,314/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,403
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,846
−HK$3,494/mo
Today · 4.125%
HK$135,340
baseline
▲ 0.50% · 4.625%
HK$142,474
+HK$7,134/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,680/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,396
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$153,012
−HK$4,690/mo
Today · 4.125%
HK$157,702
baseline
▲ 0.50% · 4.625%
HK$167,298
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,404/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,089
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$169,517
−HK$4,492/mo
Today · 4.125%
HK$174,009
baseline
▲ 0.50% · 4.625%
HK$183,181
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,018/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,582 · Scale 2, in force from 26 Feb 2026)