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$82,558
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,126
−HK$2,609/mo
Today · 4.125%
HK$87,735
baseline
▲ 0.50% · 4.625%
HK$93,074
+HK$5,339/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,470/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,845
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,308
−HK$2,499/mo
Today · 4.125%
HK$96,807
baseline
▲ 0.50% · 4.625%
HK$101,910
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,614/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,070
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,151
−HK$3,131/mo
Today · 4.125%
HK$105,282
baseline
▲ 0.50% · 4.625%
HK$111,688
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,564/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,214
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,170
−HK$2,999/mo
Today · 4.125%
HK$116,169
baseline
▲ 0.50% · 4.625%
HK$122,292
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,338/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,581
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,177
−HK$3,652/mo
Today · 4.125%
HK$122,829
baseline
▲ 0.50% · 4.625%
HK$130,303
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,658/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,583
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,032
−HK$3,498/mo
Today · 4.125%
HK$135,530
baseline
▲ 0.50% · 4.625%
HK$142,674
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,060/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,605
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,227
−HK$4,696/mo
Today · 4.125%
HK$157,923
baseline
▲ 0.50% · 4.625%
HK$167,533
+HK$9,610/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,846/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,321
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$169,755
−HK$4,498/mo
Today · 4.125%
HK$174,253
baseline
▲ 0.50% · 4.625%
HK$183,438
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,506/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,740 · Scale 2, in force from 26 Feb 2026)