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$82,287
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,847
−HK$2,600/mo
Today · 4.125%
HK$87,447
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$5,321/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,894/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,544
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,999
−HK$2,491/mo
Today · 4.125%
HK$96,490
baseline
▲ 0.50% · 4.625%
HK$101,576
+HK$5,086/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,980/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,745
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,816
−HK$3,121/mo
Today · 4.125%
HK$104,937
baseline
▲ 0.50% · 4.625%
HK$111,322
+HK$6,385/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,874/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,852
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,799
−HK$2,988/mo
Today · 4.125%
HK$115,787
baseline
▲ 0.50% · 4.625%
HK$121,891
+HK$6,104/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,574/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,202
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,786
−HK$3,640/mo
Today · 4.125%
HK$122,426
baseline
▲ 0.50% · 4.625%
HK$129,876
+HK$7,450/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,852/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,161
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,598
−HK$3,487/mo
Today · 4.125%
HK$135,085
baseline
▲ 0.50% · 4.625%
HK$142,206
+HK$7,121/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,170/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,117
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,724
−HK$4,681/mo
Today · 4.125%
HK$157,405
baseline
▲ 0.50% · 4.625%
HK$166,983
+HK$9,578/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,810/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,779
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$169,198
−HK$4,483/mo
Today · 4.125%
HK$173,681
baseline
▲ 0.50% · 4.625%
HK$182,836
+HK$9,155/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,362/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,690 · Scale 2, in force from 26 Feb 2026)