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$82,122
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,677
−HK$2,595/mo
Today · 4.125%
HK$87,272
baseline
▲ 0.50% · 4.625%
HK$92,583
+HK$5,311/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,544/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,360
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,811
−HK$2,485/mo
Today · 4.125%
HK$96,296
baseline
▲ 0.50% · 4.625%
HK$101,372
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,592/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,547
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,612
−HK$3,115/mo
Today · 4.125%
HK$104,727
baseline
▲ 0.50% · 4.625%
HK$111,099
+HK$6,372/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,454/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,633
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,573
−HK$2,983/mo
Today · 4.125%
HK$115,556
baseline
▲ 0.50% · 4.625%
HK$121,647
+HK$6,091/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,112/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,971
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,548
−HK$3,633/mo
Today · 4.125%
HK$122,181
baseline
▲ 0.50% · 4.625%
HK$129,616
+HK$7,435/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$244,362/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,905
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,335
−HK$3,480/mo
Today · 4.125%
HK$134,815
baseline
▲ 0.50% · 4.625%
HK$141,921
+HK$7,106/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$269,630/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,820
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$152,419
−HK$4,671/mo
Today · 4.125%
HK$157,090
baseline
▲ 0.50% · 4.625%
HK$166,649
+HK$9,559/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$314,180/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,449
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$168,859
−HK$4,474/mo
Today · 4.125%
HK$173,333
baseline
▲ 0.50% · 4.625%
HK$182,470
+HK$9,137/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$346,666/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,620 · Scale 2, in force from 26 Feb 2026)