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$82,261
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,820
−HK$2,599/mo
Today · 4.125%
HK$87,419
baseline
▲ 0.50% · 4.625%
HK$92,739
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,838/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,514
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,969
−HK$2,490/mo
Today · 4.125%
HK$96,459
baseline
▲ 0.50% · 4.625%
HK$101,543
+HK$5,084/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,918/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,713
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,784
−HK$3,119/mo
Today · 4.125%
HK$104,903
baseline
▲ 0.50% · 4.625%
HK$111,286
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,806/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,817
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,763
−HK$2,987/mo
Today · 4.125%
HK$115,750
baseline
▲ 0.50% · 4.625%
HK$121,852
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,500/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,165
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,748
−HK$3,639/mo
Today · 4.125%
HK$122,387
baseline
▲ 0.50% · 4.625%
HK$129,834
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,774/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,120
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,556
−HK$3,486/mo
Today · 4.125%
HK$135,042
baseline
▲ 0.50% · 4.625%
HK$142,160
+HK$7,118/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,084/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,070
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,675
−HK$4,680/mo
Today · 4.125%
HK$157,355
baseline
▲ 0.50% · 4.625%
HK$166,930
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,710/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,726
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,144
−HK$4,482/mo
Today · 4.125%
HK$173,626
baseline
▲ 0.50% · 4.625%
HK$182,778
+HK$9,152/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,252/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,200 · Scale 2, in force from 26 Feb 2026)