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$82,188
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,745
−HK$2,597/mo
Today · 4.125%
HK$87,342
baseline
▲ 0.50% · 4.625%
HK$92,657
+HK$5,315/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,684/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,434
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,886
−HK$2,488/mo
Today · 4.125%
HK$96,374
baseline
▲ 0.50% · 4.625%
HK$101,454
+HK$5,080/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,748/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,626
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,694
−HK$3,117/mo
Today · 4.125%
HK$104,811
baseline
▲ 0.50% · 4.625%
HK$111,188
+HK$6,377/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,622/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,720
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,663
−HK$2,985/mo
Today · 4.125%
HK$115,648
baseline
▲ 0.50% · 4.625%
HK$121,744
+HK$6,096/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,296/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,064
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,643
−HK$3,636/mo
Today · 4.125%
HK$122,279
baseline
▲ 0.50% · 4.625%
HK$129,720
+HK$7,441/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,558/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,007
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,440
−HK$3,483/mo
Today · 4.125%
HK$134,923
baseline
▲ 0.50% · 4.625%
HK$142,035
+HK$7,112/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,846/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,939
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,541
−HK$4,675/mo
Today · 4.125%
HK$157,216
baseline
▲ 0.50% · 4.625%
HK$166,782
+HK$9,566/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$314,432/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,581
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$168,995
−HK$4,477/mo
Today · 4.125%
HK$173,472
baseline
▲ 0.50% · 4.625%
HK$182,616
+HK$9,144/mo
Deposit HK$3.60M · loan HK$32.44M · min. income ≈ HK$346,944/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,848 · Scale 2, in force from 26 Feb 2026)