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$82,386
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,949
−HK$2,603/mo
Today · 4.125%
HK$87,552
baseline
▲ 0.50% · 4.625%
HK$92,880
+HK$5,328/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,104/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,654
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,112
−HK$2,493/mo
Today · 4.125%
HK$96,605
baseline
▲ 0.50% · 4.625%
HK$101,698
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,210/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,863
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,938
−HK$3,125/mo
Today · 4.125%
HK$105,063
baseline
▲ 0.50% · 4.625%
HK$111,456
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,126/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,984
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,934
−HK$2,992/mo
Today · 4.125%
HK$115,926
baseline
▲ 0.50% · 4.625%
HK$122,037
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,852/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,340
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,928
−HK$3,645/mo
Today · 4.125%
HK$122,573
baseline
▲ 0.50% · 4.625%
HK$130,032
+HK$7,459/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,146/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,315
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,756
−HK$3,492/mo
Today · 4.125%
HK$135,248
baseline
▲ 0.50% · 4.625%
HK$142,377
+HK$7,129/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,496/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,295
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,908
−HK$4,686/mo
Today · 4.125%
HK$157,594
baseline
▲ 0.50% · 4.625%
HK$167,183
+HK$9,589/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,188/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,976
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,401
−HK$4,489/mo
Today · 4.125%
HK$173,890
baseline
▲ 0.50% · 4.625%
HK$183,056
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,780/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,532 · Scale 2, in force from 26 Feb 2026)