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$82,154
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,710
−HK$2,596/mo
Today · 4.125%
HK$87,306
baseline
▲ 0.50% · 4.625%
HK$92,618
+HK$5,312/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,612/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,396
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,847
−HK$2,487/mo
Today · 4.125%
HK$96,334
baseline
▲ 0.50% · 4.625%
HK$101,411
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,668/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,585
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,652
−HK$3,115/mo
Today · 4.125%
HK$104,767
baseline
▲ 0.50% · 4.625%
HK$111,142
+HK$6,375/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,534/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,675
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,616
−HK$2,984/mo
Today · 4.125%
HK$115,600
baseline
▲ 0.50% · 4.625%
HK$121,694
+HK$6,094/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,200/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,016
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,594
−HK$3,634/mo
Today · 4.125%
HK$122,228
baseline
▲ 0.50% · 4.625%
HK$129,666
+HK$7,438/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,456/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,954
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,386
−HK$3,481/mo
Today · 4.125%
HK$134,867
baseline
▲ 0.50% · 4.625%
HK$141,976
+HK$7,109/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,734/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,878
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$152,477
−HK$4,674/mo
Today · 4.125%
HK$157,151
baseline
▲ 0.50% · 4.625%
HK$166,713
+HK$9,562/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,302/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,512
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$168,924
−HK$4,476/mo
Today · 4.125%
HK$173,400
baseline
▲ 0.50% · 4.625%
HK$182,541
+HK$9,141/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,800/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,211 · Scale 2, in force from 26 Feb 2026)