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$82,434
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$84,998
−HK$2,606/mo
Today · 4.125%
HK$87,604
baseline
▲ 0.50% · 4.625%
HK$92,934
+HK$5,330/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,208/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,707
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,167
−HK$2,495/mo
Today · 4.125%
HK$96,662
baseline
▲ 0.50% · 4.625%
HK$101,757
+HK$5,095/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,324/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,921
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,998
−HK$3,126/mo
Today · 4.125%
HK$105,124
baseline
▲ 0.50% · 4.625%
HK$111,521
+HK$6,397/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,248/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,049
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$113,000
−HK$2,994/mo
Today · 4.125%
HK$115,994
baseline
▲ 0.50% · 4.625%
HK$122,109
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,988/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,408
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,998
−HK$3,647/mo
Today · 4.125%
HK$122,645
baseline
▲ 0.50% · 4.625%
HK$130,108
+HK$7,463/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,290/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,390
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,834
−HK$3,493/mo
Today · 4.125%
HK$135,327
baseline
▲ 0.50% · 4.625%
HK$142,460
+HK$7,133/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,654/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,382
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$152,997
−HK$4,690/mo
Today · 4.125%
HK$157,687
baseline
▲ 0.50% · 4.625%
HK$167,281
+HK$9,594/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,374/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,073
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$169,500
−HK$4,492/mo
Today · 4.125%
HK$173,992
baseline
▲ 0.50% · 4.625%
HK$183,163
+HK$9,171/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$347,984/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,431 · Scale 2, in force from 26 Feb 2026)