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$82,496
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,607/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$93,004
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,776
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,238
−HK$2,497/mo
Today · 4.125%
HK$96,735
baseline
▲ 0.50% · 4.625%
HK$101,834
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,470/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,995
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,075
−HK$3,128/mo
Today · 4.125%
HK$105,203
baseline
▲ 0.50% · 4.625%
HK$111,605
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,406/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,131
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,085
−HK$2,996/mo
Today · 4.125%
HK$116,081
baseline
▲ 0.50% · 4.625%
HK$122,200
+HK$6,119/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,162/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,495
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,087
−HK$3,650/mo
Today · 4.125%
HK$122,737
baseline
▲ 0.50% · 4.625%
HK$130,205
+HK$7,468/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,474/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,487
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,933
−HK$3,495/mo
Today · 4.125%
HK$135,428
baseline
▲ 0.50% · 4.625%
HK$142,567
+HK$7,139/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,856/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,493
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,112
−HK$4,693/mo
Today · 4.125%
HK$157,805
baseline
▲ 0.50% · 4.625%
HK$167,407
+HK$9,602/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,610/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,197
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,628
−HK$4,494/mo
Today · 4.125%
HK$174,122
baseline
▲ 0.50% · 4.625%
HK$183,300
+HK$9,178/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,244/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,586 · Scale 2, in force from 26 Feb 2026)