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$82,355
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,603/mo
Today · 4.125%
HK$87,520
baseline
▲ 0.50% · 4.625%
HK$92,845
+HK$5,325/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,040/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,619
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,077
−HK$2,492/mo
Today · 4.125%
HK$96,569
baseline
▲ 0.50% · 4.625%
HK$101,660
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,138/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,826
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,900
−HK$3,124/mo
Today · 4.125%
HK$105,024
baseline
▲ 0.50% · 4.625%
HK$111,414
+HK$6,390/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,048/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,943
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,892
−HK$2,991/mo
Today · 4.125%
HK$115,883
baseline
▲ 0.50% · 4.625%
HK$121,992
+HK$6,109/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,766/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,297
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,884
−HK$3,643/mo
Today · 4.125%
HK$122,527
baseline
▲ 0.50% · 4.625%
HK$129,983
+HK$7,456/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,054/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,267
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,707
−HK$3,490/mo
Today · 4.125%
HK$135,197
baseline
▲ 0.50% · 4.625%
HK$142,323
+HK$7,126/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,394/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,239
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,851
−HK$4,684/mo
Today · 4.125%
HK$157,535
baseline
▲ 0.50% · 4.625%
HK$167,121
+HK$9,586/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,070/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,915
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,338
−HK$4,487/mo
Today · 4.125%
HK$173,825
baseline
▲ 0.50% · 4.625%
HK$182,987
+HK$9,162/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,650/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,958 · Scale 2, in force from 26 Feb 2026)