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$82,687
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,259
−HK$2,613/mo
Today · 4.125%
HK$87,872
baseline
▲ 0.50% · 4.625%
HK$93,219
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,744/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,989
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,456
−HK$2,503/mo
Today · 4.125%
HK$96,959
baseline
▲ 0.50% · 4.625%
HK$102,069
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,918/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,225
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,311
−HK$3,136/mo
Today · 4.125%
HK$105,447
baseline
▲ 0.50% · 4.625%
HK$111,863
+HK$6,416/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$210,894/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,386
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,347
−HK$3,003/mo
Today · 4.125%
HK$116,350
baseline
▲ 0.50% · 4.625%
HK$122,483
+HK$6,133/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$232,700/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,762
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,363
−HK$3,658/mo
Today · 4.125%
HK$123,021
baseline
▲ 0.50% · 4.625%
HK$130,507
+HK$7,486/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,042/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,784
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,238
−HK$3,504/mo
Today · 4.125%
HK$135,742
baseline
▲ 0.50% · 4.625%
HK$142,897
+HK$7,155/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,484/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,837
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,467
−HK$4,703/mo
Today · 4.125%
HK$158,170
baseline
▲ 0.50% · 4.625%
HK$167,795
+HK$9,625/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$316,340/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,580
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$170,020
−HK$4,505/mo
Today · 4.125%
HK$174,525
baseline
▲ 0.50% · 4.625%
HK$183,725
+HK$9,200/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$349,050/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,145 · Scale 2, in force from 26 Feb 2026)