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$82,628
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,199
−HK$2,611/mo
Today · 4.125%
HK$87,810
baseline
▲ 0.50% · 4.625%
HK$93,153
+HK$5,343/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,620/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,923
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,389
−HK$2,501/mo
Today · 4.125%
HK$96,890
baseline
▲ 0.50% · 4.625%
HK$101,997
+HK$5,107/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,780/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,154
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,238
−HK$3,134/mo
Today · 4.125%
HK$105,372
baseline
▲ 0.50% · 4.625%
HK$111,784
+HK$6,412/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$210,744/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,308
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,266
−HK$3,002/mo
Today · 4.125%
HK$116,268
baseline
▲ 0.50% · 4.625%
HK$122,396
+HK$6,128/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$232,536/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,680
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,278
−HK$3,656/mo
Today · 4.125%
HK$122,934
baseline
▲ 0.50% · 4.625%
HK$130,414
+HK$7,480/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,868/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,693
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,144
−HK$3,502/mo
Today · 4.125%
HK$135,646
baseline
▲ 0.50% · 4.625%
HK$142,796
+HK$7,150/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,292/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,731
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$153,358
−HK$4,700/mo
Today · 4.125%
HK$158,058
baseline
▲ 0.50% · 4.625%
HK$167,675
+HK$9,617/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$316,116/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,462
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,900
−HK$4,501/mo
Today · 4.125%
HK$174,401
baseline
▲ 0.50% · 4.625%
HK$183,594
+HK$9,193/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$348,802/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,050 · Scale 2, in force from 26 Feb 2026)