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$82,648
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,218
−HK$2,612/mo
Today · 4.125%
HK$87,830
baseline
▲ 0.50% · 4.625%
HK$93,175
+HK$5,345/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,660/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,945
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,410
−HK$2,502/mo
Today · 4.125%
HK$96,912
baseline
▲ 0.50% · 4.625%
HK$102,020
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,824/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,177
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,262
−HK$3,134/mo
Today · 4.125%
HK$105,396
baseline
▲ 0.50% · 4.625%
HK$111,809
+HK$6,413/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,792/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,333
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,293
−HK$3,001/mo
Today · 4.125%
HK$116,294
baseline
▲ 0.50% · 4.625%
HK$122,424
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,588/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,707
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,306
−HK$3,656/mo
Today · 4.125%
HK$122,962
baseline
▲ 0.50% · 4.625%
HK$130,444
+HK$7,482/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,924/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,722
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,175
−HK$3,502/mo
Today · 4.125%
HK$135,677
baseline
▲ 0.50% · 4.625%
HK$142,829
+HK$7,152/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,354/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,766
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,393
−HK$4,701/mo
Today · 4.125%
HK$158,094
baseline
▲ 0.50% · 4.625%
HK$167,714
+HK$9,620/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,188/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,500
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,939
−HK$4,503/mo
Today · 4.125%
HK$174,442
baseline
▲ 0.50% · 4.625%
HK$183,637
+HK$9,195/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,884/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,406 · Scale 2, in force from 26 Feb 2026)