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$82,375
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,937
−HK$2,603/mo
Today · 4.125%
HK$87,540
baseline
▲ 0.50% · 4.625%
HK$92,867
+HK$5,327/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,080/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,641
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,099
−HK$2,493/mo
Today · 4.125%
HK$96,592
baseline
▲ 0.50% · 4.625%
HK$101,684
+HK$5,092/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,184/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,850
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,924
−HK$3,124/mo
Today · 4.125%
HK$105,048
baseline
▲ 0.50% · 4.625%
HK$111,440
+HK$6,392/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,096/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,969
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,919
−HK$2,991/mo
Today · 4.125%
HK$115,910
baseline
▲ 0.50% · 4.625%
HK$122,020
+HK$6,110/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,820/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,325
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,912
−HK$3,644/mo
Today · 4.125%
HK$122,556
baseline
▲ 0.50% · 4.625%
HK$130,014
+HK$7,458/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,112/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,297
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,738
−HK$3,491/mo
Today · 4.125%
HK$135,229
baseline
▲ 0.50% · 4.625%
HK$142,357
+HK$7,128/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,458/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,274
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,887
−HK$4,686/mo
Today · 4.125%
HK$157,573
baseline
▲ 0.50% · 4.625%
HK$167,160
+HK$9,587/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,146/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,954
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,378
−HK$4,488/mo
Today · 4.125%
HK$173,866
baseline
▲ 0.50% · 4.625%
HK$183,030
+HK$9,164/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,732/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,321 · Scale 2, in force from 26 Feb 2026)