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$82,595
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,164
−HK$2,610/mo
Today · 4.125%
HK$87,774
baseline
▲ 0.50% · 4.625%
HK$93,115
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,548/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,886
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,350
−HK$2,500/mo
Today · 4.125%
HK$96,850
baseline
▲ 0.50% · 4.625%
HK$101,955
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,700/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,114
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,197
−HK$3,132/mo
Today · 4.125%
HK$105,329
baseline
▲ 0.50% · 4.625%
HK$111,738
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,658/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,263
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,220
−HK$3,000/mo
Today · 4.125%
HK$116,220
baseline
▲ 0.50% · 4.625%
HK$122,346
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,440/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,633
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,230
−HK$3,654/mo
Today · 4.125%
HK$122,884
baseline
▲ 0.50% · 4.625%
HK$130,361
+HK$7,477/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$245,768/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,640
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,090
−HK$3,500/mo
Today · 4.125%
HK$135,590
baseline
▲ 0.50% · 4.625%
HK$142,737
+HK$7,147/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$271,180/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,671
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$153,295
−HK$4,699/mo
Today · 4.125%
HK$157,994
baseline
▲ 0.50% · 4.625%
HK$167,607
+HK$9,613/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,988/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,395
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,830
−HK$4,500/mo
Today · 4.125%
HK$174,330
baseline
▲ 0.50% · 4.625%
HK$183,519
+HK$9,189/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,660/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,423 · Scale 2, in force from 26 Feb 2026)