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$82,441
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,005
−HK$2,606/mo
Today · 4.125%
HK$87,611
baseline
▲ 0.50% · 4.625%
HK$92,942
+HK$5,331/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,222/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,715
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,174
−HK$2,496/mo
Today · 4.125%
HK$96,670
baseline
▲ 0.50% · 4.625%
HK$101,765
+HK$5,095/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,340/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,929
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,006
−HK$3,127/mo
Today · 4.125%
HK$105,133
baseline
▲ 0.50% · 4.625%
HK$111,530
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,266/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,058
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,009
−HK$2,995/mo
Today · 4.125%
HK$116,004
baseline
▲ 0.50% · 4.625%
HK$122,118
+HK$6,114/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,008/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,417
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,007
−HK$3,648/mo
Today · 4.125%
HK$122,655
baseline
▲ 0.50% · 4.625%
HK$130,118
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,310/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,401
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,844
−HK$3,494/mo
Today · 4.125%
HK$135,338
baseline
▲ 0.50% · 4.625%
HK$142,471
+HK$7,133/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,676/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,394
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$153,009
−HK$4,690/mo
Today · 4.125%
HK$157,699
baseline
▲ 0.50% · 4.625%
HK$167,295
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,398/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,086
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$169,514
−HK$4,492/mo
Today · 4.125%
HK$174,006
baseline
▲ 0.50% · 4.625%
HK$183,178
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,012/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,555 · Scale 2, in force from 26 Feb 2026)