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$82,724
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,297
−HK$2,614/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$93,260
+HK$5,349/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,029
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,497
−HK$2,504/mo
Today · 4.125%
HK$97,001
baseline
▲ 0.50% · 4.625%
HK$102,114
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$194,002/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,268
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,356
−HK$3,137/mo
Today · 4.125%
HK$105,493
baseline
▲ 0.50% · 4.625%
HK$111,912
+HK$6,419/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$210,986/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,435
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,397
−HK$3,005/mo
Today · 4.125%
HK$116,402
baseline
▲ 0.50% · 4.625%
HK$122,537
+HK$6,135/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$232,804/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,813
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,416
−HK$3,660/mo
Today · 4.125%
HK$123,076
baseline
▲ 0.50% · 4.625%
HK$130,565
+HK$7,489/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,152/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,841
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,296
−HK$3,506/mo
Today · 4.125%
HK$135,802
baseline
▲ 0.50% · 4.625%
HK$142,960
+HK$7,158/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,604/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,903
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$153,534
−HK$4,706/mo
Today · 4.125%
HK$158,240
baseline
▲ 0.50% · 4.625%
HK$167,869
+HK$9,629/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,480/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,653
−HK$8,949/mo
▼ 0.25% · 3.875%
HK$170,095
−HK$4,507/mo
Today · 4.125%
HK$174,602
baseline
▲ 0.50% · 4.625%
HK$183,806
+HK$9,204/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,204/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,826 · Scale 2, in force from 26 Feb 2026)