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$82,557
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,125
−HK$2,609/mo
Today · 4.125%
HK$87,734
baseline
▲ 0.50% · 4.625%
HK$93,073
+HK$5,339/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,468/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,844
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,308
−HK$2,498/mo
Today · 4.125%
HK$96,806
baseline
▲ 0.50% · 4.625%
HK$101,909
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,612/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,069
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,150
−HK$3,131/mo
Today · 4.125%
HK$105,281
baseline
▲ 0.50% · 4.625%
HK$111,688
+HK$6,407/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,562/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,213
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,169
−HK$2,999/mo
Today · 4.125%
HK$116,168
baseline
▲ 0.50% · 4.625%
HK$122,291
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,336/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,580
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,176
−HK$3,652/mo
Today · 4.125%
HK$122,828
baseline
▲ 0.50% · 4.625%
HK$130,302
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,656/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,582
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,031
−HK$3,498/mo
Today · 4.125%
HK$135,529
baseline
▲ 0.50% · 4.625%
HK$142,673
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,058/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,603
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$153,226
−HK$4,696/mo
Today · 4.125%
HK$157,922
baseline
▲ 0.50% · 4.625%
HK$167,531
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,844/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,320
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,754
−HK$4,497/mo
Today · 4.125%
HK$174,251
baseline
▲ 0.50% · 4.625%
HK$183,436
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,502/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,726 · Scale 2, in force from 26 Feb 2026)