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$82,142
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,697
−HK$2,596/mo
Today · 4.125%
HK$87,293
baseline
▲ 0.50% · 4.625%
HK$92,604
+HK$5,311/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,586/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,382
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,833
−HK$2,486/mo
Today · 4.125%
HK$96,319
baseline
▲ 0.50% · 4.625%
HK$101,396
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,638/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,570
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,636
−HK$3,115/mo
Today · 4.125%
HK$104,751
baseline
▲ 0.50% · 4.625%
HK$111,125
+HK$6,374/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,502/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,658
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,599
−HK$2,984/mo
Today · 4.125%
HK$115,583
baseline
▲ 0.50% · 4.625%
HK$121,675
+HK$6,092/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,166/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,998
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,575
−HK$3,635/mo
Today · 4.125%
HK$122,210
baseline
▲ 0.50% · 4.625%
HK$129,646
+HK$7,436/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,420/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,935
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,366
−HK$3,480/mo
Today · 4.125%
HK$134,846
baseline
▲ 0.50% · 4.625%
HK$141,954
+HK$7,108/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,692/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,855
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,454
−HK$4,673/mo
Today · 4.125%
HK$157,127
baseline
▲ 0.50% · 4.625%
HK$166,688
+HK$9,561/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,254/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,487
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$168,899
−HK$4,475/mo
Today · 4.125%
HK$173,374
baseline
▲ 0.50% · 4.625%
HK$182,513
+HK$9,139/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,748/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,978 · Scale 2, in force from 26 Feb 2026)