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$82,269
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,828
−HK$2,600/mo
Today · 4.125%
HK$87,428
baseline
▲ 0.50% · 4.625%
HK$92,748
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,856/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,523
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,978
−HK$2,490/mo
Today · 4.125%
HK$96,468
baseline
▲ 0.50% · 4.625%
HK$101,553
+HK$5,085/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,936/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,723
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,794
−HK$3,120/mo
Today · 4.125%
HK$104,914
baseline
▲ 0.50% · 4.625%
HK$111,297
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,828/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,828
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,774
−HK$2,988/mo
Today · 4.125%
HK$115,762
baseline
▲ 0.50% · 4.625%
HK$121,864
+HK$6,102/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,524/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,177
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,759
−HK$3,640/mo
Today · 4.125%
HK$122,399
baseline
▲ 0.50% · 4.625%
HK$129,847
+HK$7,448/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$244,798/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,133
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,569
−HK$3,486/mo
Today · 4.125%
HK$135,055
baseline
▲ 0.50% · 4.625%
HK$142,174
+HK$7,119/mo
Deposit HK$10.82M · loan HK$25.26M · min. income ≈ HK$270,110/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,084
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,690
−HK$4,680/mo
Today · 4.125%
HK$157,370
baseline
▲ 0.50% · 4.625%
HK$166,946
+HK$9,576/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,740/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,742
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,160
−HK$4,483/mo
Today · 4.125%
HK$173,643
baseline
▲ 0.50% · 4.625%
HK$182,796
+HK$9,153/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,286/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,350 · Scale 2, in force from 26 Feb 2026)