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$82,470
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,036
−HK$2,606/mo
Today · 4.125%
HK$87,642
baseline
▲ 0.50% · 4.625%
HK$92,975
+HK$5,333/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,284/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,747
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,208
−HK$2,496/mo
Today · 4.125%
HK$96,704
baseline
▲ 0.50% · 4.625%
HK$101,802
+HK$5,098/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,408/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,043
−HK$3,127/mo
Today · 4.125%
HK$105,170
baseline
▲ 0.50% · 4.625%
HK$111,570
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,340/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,097
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,050
−HK$2,995/mo
Today · 4.125%
HK$116,045
baseline
▲ 0.50% · 4.625%
HK$122,162
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,090/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,459
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,050
−HK$3,649/mo
Today · 4.125%
HK$122,699
baseline
▲ 0.50% · 4.625%
HK$130,165
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,398/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,446
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,891
−HK$3,495/mo
Today · 4.125%
HK$135,386
baseline
▲ 0.50% · 4.625%
HK$142,522
+HK$7,136/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,772/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,447
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,064
−HK$4,692/mo
Today · 4.125%
HK$157,756
baseline
▲ 0.50% · 4.625%
HK$167,355
+HK$9,599/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,512/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,145
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,575
−HK$4,493/mo
Today · 4.125%
HK$174,068
baseline
▲ 0.50% · 4.625%
HK$183,243
+HK$9,175/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,136/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,105 · Scale 2, in force from 26 Feb 2026)