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$82,250
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,809
−HK$2,599/mo
Today · 4.125%
HK$87,408
baseline
▲ 0.50% · 4.625%
HK$92,726
+HK$5,318/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,816/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,502
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,956
−HK$2,490/mo
Today · 4.125%
HK$96,446
baseline
▲ 0.50% · 4.625%
HK$101,530
+HK$5,084/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,892/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,700
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,770
−HK$3,119/mo
Today · 4.125%
HK$104,889
baseline
▲ 0.50% · 4.625%
HK$111,272
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,778/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,803
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,748
−HK$2,987/mo
Today · 4.125%
HK$115,735
baseline
▲ 0.50% · 4.625%
HK$121,836
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,470/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,150
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,732
−HK$3,639/mo
Today · 4.125%
HK$122,371
baseline
▲ 0.50% · 4.625%
HK$129,817
+HK$7,446/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,742/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,103
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,539
−HK$3,485/mo
Today · 4.125%
HK$135,024
baseline
▲ 0.50% · 4.625%
HK$142,142
+HK$7,118/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,048/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,050
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$152,655
−HK$4,679/mo
Today · 4.125%
HK$157,334
baseline
▲ 0.50% · 4.625%
HK$166,908
+HK$9,574/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,668/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,704
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,122
−HK$4,481/mo
Today · 4.125%
HK$173,603
baseline
▲ 0.50% · 4.625%
HK$182,754
+HK$9,151/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,206/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,999 · Scale 2, in force from 26 Feb 2026)