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$82,223
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,781
−HK$2,599/mo
Today · 4.125%
HK$87,380
baseline
▲ 0.50% · 4.625%
HK$92,696
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,760/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,473
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,926
−HK$2,489/mo
Today · 4.125%
HK$96,415
baseline
▲ 0.50% · 4.625%
HK$101,497
+HK$5,082/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,830/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,668
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,737
−HK$3,118/mo
Today · 4.125%
HK$104,855
baseline
▲ 0.50% · 4.625%
HK$111,236
+HK$6,381/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$209,710/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,767
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,711
−HK$2,987/mo
Today · 4.125%
HK$115,698
baseline
▲ 0.50% · 4.625%
HK$121,796
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.64M · min. income ≈ HK$231,396/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,113
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,693
−HK$3,638/mo
Today · 4.125%
HK$122,331
baseline
▲ 0.50% · 4.625%
HK$129,775
+HK$7,444/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,662/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,062
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,496
−HK$3,485/mo
Today · 4.125%
HK$134,981
baseline
▲ 0.50% · 4.625%
HK$142,096
+HK$7,115/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,962/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,002
−HK$9,281/mo
▼ 0.25% · 3.875%
HK$152,606
−HK$4,677/mo
Today · 4.125%
HK$157,283
baseline
▲ 0.50% · 4.625%
HK$166,854
+HK$9,571/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,566/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,651
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$169,067
−HK$4,480/mo
Today · 4.125%
HK$173,547
baseline
▲ 0.50% · 4.625%
HK$182,694
+HK$9,147/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,094/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,502 · Scale 2, in force from 26 Feb 2026)