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$82,570
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,138
−HK$2,610/mo
Today · 4.125%
HK$87,748
baseline
▲ 0.50% · 4.625%
HK$93,087
+HK$5,339/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,496/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,858
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,322
−HK$2,499/mo
Today · 4.125%
HK$96,821
baseline
▲ 0.50% · 4.625%
HK$101,925
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,642/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,084
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,166
−HK$3,131/mo
Today · 4.125%
HK$105,297
baseline
▲ 0.50% · 4.625%
HK$111,704
+HK$6,407/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$210,594/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,230
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,186
−HK$2,999/mo
Today · 4.125%
HK$116,185
baseline
▲ 0.50% · 4.625%
HK$122,310
+HK$6,125/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$232,370/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,598
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,194
−HK$3,653/mo
Today · 4.125%
HK$122,847
baseline
▲ 0.50% · 4.625%
HK$130,322
+HK$7,475/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,694/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,602
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,051
−HK$3,498/mo
Today · 4.125%
HK$135,549
baseline
▲ 0.50% · 4.625%
HK$142,694
+HK$7,145/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,098/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,626
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$153,249
−HK$4,697/mo
Today · 4.125%
HK$157,946
baseline
▲ 0.50% · 4.625%
HK$167,557
+HK$9,611/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,892/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,345
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$169,779
−HK$4,499/mo
Today · 4.125%
HK$174,278
baseline
▲ 0.50% · 4.625%
HK$183,464
+HK$9,186/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,556/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,960 · Scale 2, in force from 26 Feb 2026)