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$82,209
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,766
−HK$2,598/mo
Today · 4.125%
HK$87,364
baseline
▲ 0.50% · 4.625%
HK$92,680
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,728/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,456
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,909
−HK$2,488/mo
Today · 4.125%
HK$96,397
baseline
▲ 0.50% · 4.625%
HK$101,478
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,794/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,650
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,719
−HK$3,117/mo
Today · 4.125%
HK$104,836
baseline
▲ 0.50% · 4.625%
HK$111,215
+HK$6,379/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,672/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,747
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,691
−HK$2,986/mo
Today · 4.125%
HK$115,677
baseline
▲ 0.50% · 4.625%
HK$121,774
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,354/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,092
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,672
−HK$3,637/mo
Today · 4.125%
HK$122,309
baseline
▲ 0.50% · 4.625%
HK$129,751
+HK$7,442/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,618/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,039
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,473
−HK$3,483/mo
Today · 4.125%
HK$134,956
baseline
▲ 0.50% · 4.625%
HK$142,070
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,912/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,975
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,578
−HK$4,677/mo
Today · 4.125%
HK$157,255
baseline
▲ 0.50% · 4.625%
HK$166,823
+HK$9,568/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,510/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,621
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,036
−HK$4,479/mo
Today · 4.125%
HK$173,515
baseline
▲ 0.50% · 4.625%
HK$182,661
+HK$9,146/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,030/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,224 · Scale 2, in force from 26 Feb 2026)