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$82,302
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,862
−HK$2,601/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,784
+HK$5,321/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,560
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,015
−HK$2,491/mo
Today · 4.125%
HK$96,506
baseline
▲ 0.50% · 4.625%
HK$101,593
+HK$5,087/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,012/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,762
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,834
−HK$3,121/mo
Today · 4.125%
HK$104,955
baseline
▲ 0.50% · 4.625%
HK$111,341
+HK$6,386/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,910/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,872
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,818
−HK$2,990/mo
Today · 4.125%
HK$115,808
baseline
▲ 0.50% · 4.625%
HK$121,912
+HK$6,104/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,616/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,222
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,806
−HK$3,642/mo
Today · 4.125%
HK$122,448
baseline
▲ 0.50% · 4.625%
HK$129,898
+HK$7,450/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,896/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,183
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,621
−HK$3,488/mo
Today · 4.125%
HK$135,109
baseline
▲ 0.50% · 4.625%
HK$142,231
+HK$7,122/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,218/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,143
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,751
−HK$4,682/mo
Today · 4.125%
HK$157,433
baseline
▲ 0.50% · 4.625%
HK$167,012
+HK$9,579/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,866/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,807
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,227
−HK$4,484/mo
Today · 4.125%
HK$173,711
baseline
▲ 0.50% · 4.625%
HK$182,868
+HK$9,157/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,422/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,957 · Scale 2, in force from 26 Feb 2026)