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$82,476
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,041
−HK$2,607/mo
Today · 4.125%
HK$87,648
baseline
▲ 0.50% · 4.625%
HK$92,981
+HK$5,333/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,296/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,753
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,214
−HK$2,497/mo
Today · 4.125%
HK$96,711
baseline
▲ 0.50% · 4.625%
HK$101,808
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,422/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,971
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,050
−HK$3,127/mo
Today · 4.125%
HK$105,177
baseline
▲ 0.50% · 4.625%
HK$111,577
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,354/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,104
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,057
−HK$2,996/mo
Today · 4.125%
HK$116,053
baseline
▲ 0.50% · 4.625%
HK$122,170
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,106/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,466
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,058
−HK$3,649/mo
Today · 4.125%
HK$122,707
baseline
▲ 0.50% · 4.625%
HK$130,173
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,414/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,455
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,900
−HK$3,495/mo
Today · 4.125%
HK$135,395
baseline
▲ 0.50% · 4.625%
HK$142,532
+HK$7,137/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,790/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,456
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$153,074
−HK$4,692/mo
Today · 4.125%
HK$157,766
baseline
▲ 0.50% · 4.625%
HK$167,366
+HK$9,600/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,532/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,156
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,586
−HK$4,493/mo
Today · 4.125%
HK$174,079
baseline
▲ 0.50% · 4.625%
HK$183,255
+HK$9,176/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,158/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,205 · Scale 2, in force from 26 Feb 2026)