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$82,160
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,597/mo
Today · 4.125%
HK$87,312
baseline
▲ 0.50% · 4.625%
HK$92,624
+HK$5,312/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,624/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,402
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,853
−HK$2,487/mo
Today · 4.125%
HK$96,340
baseline
▲ 0.50% · 4.625%
HK$101,418
+HK$5,078/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,680/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,592
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,658
−HK$3,116/mo
Today · 4.125%
HK$104,774
baseline
▲ 0.50% · 4.625%
HK$111,149
+HK$6,375/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,548/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,682
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,624
−HK$2,984/mo
Today · 4.125%
HK$115,608
baseline
▲ 0.50% · 4.625%
HK$121,702
+HK$6,094/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,216/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,023
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,601
−HK$3,635/mo
Today · 4.125%
HK$122,236
baseline
▲ 0.50% · 4.625%
HK$129,674
+HK$7,438/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,472/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,962
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,394
−HK$3,482/mo
Today · 4.125%
HK$134,876
baseline
▲ 0.50% · 4.625%
HK$141,985
+HK$7,109/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,752/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,887
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$152,487
−HK$4,674/mo
Today · 4.125%
HK$157,161
baseline
▲ 0.50% · 4.625%
HK$166,724
+HK$9,563/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,322/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,523
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$168,936
−HK$4,476/mo
Today · 4.125%
HK$173,412
baseline
▲ 0.50% · 4.625%
HK$182,553
+HK$9,141/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,824/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,312 · Scale 2, in force from 26 Feb 2026)