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$82,568
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,137
−HK$2,609/mo
Today · 4.125%
HK$87,746
baseline
▲ 0.50% · 4.625%
HK$93,085
+HK$5,339/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,492/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,857
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,320
−HK$2,499/mo
Today · 4.125%
HK$96,819
baseline
▲ 0.50% · 4.625%
HK$101,923
+HK$5,104/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,638/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,082
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,164
−HK$3,131/mo
Today · 4.125%
HK$105,295
baseline
▲ 0.50% · 4.625%
HK$111,702
+HK$6,407/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$210,590/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,228
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,184
−HK$2,999/mo
Today · 4.125%
HK$116,183
baseline
▲ 0.50% · 4.625%
HK$122,307
+HK$6,124/mo
Deposit HK$14.48M · loan HK$21.73M · min. income ≈ HK$232,366/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,596
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,191
−HK$3,654/mo
Today · 4.125%
HK$122,845
baseline
▲ 0.50% · 4.625%
HK$130,319
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,690/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,599
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,048
−HK$3,499/mo
Today · 4.125%
HK$135,547
baseline
▲ 0.50% · 4.625%
HK$142,692
+HK$7,145/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,094/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,623
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$153,246
−HK$4,697/mo
Today · 4.125%
HK$157,943
baseline
▲ 0.50% · 4.625%
HK$167,554
+HK$9,611/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,886/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,342
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$169,776
−HK$4,499/mo
Today · 4.125%
HK$174,275
baseline
▲ 0.50% · 4.625%
HK$183,461
+HK$9,186/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,550/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,932 · Scale 2, in force from 26 Feb 2026)