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$82,552
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,120
−HK$2,609/mo
Today · 4.125%
HK$87,729
baseline
▲ 0.50% · 4.625%
HK$93,067
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,458/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,838
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,302
−HK$2,498/mo
Today · 4.125%
HK$96,800
baseline
▲ 0.50% · 4.625%
HK$101,903
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,600/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,063
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,144
−HK$3,131/mo
Today · 4.125%
HK$105,275
baseline
▲ 0.50% · 4.625%
HK$111,680
+HK$6,405/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,550/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,206
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,162
−HK$2,998/mo
Today · 4.125%
HK$116,160
baseline
▲ 0.50% · 4.625%
HK$122,283
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,320/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,573
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,168
−HK$3,652/mo
Today · 4.125%
HK$122,820
baseline
▲ 0.50% · 4.625%
HK$130,294
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,640/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,574
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,022
−HK$3,498/mo
Today · 4.125%
HK$135,520
baseline
▲ 0.50% · 4.625%
HK$142,664
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,040/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,594
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,216
−HK$4,696/mo
Today · 4.125%
HK$157,912
baseline
▲ 0.50% · 4.625%
HK$167,521
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,824/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,309
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,743
−HK$4,497/mo
Today · 4.125%
HK$174,240
baseline
▲ 0.50% · 4.625%
HK$183,425
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,480/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,629 · Scale 2, in force from 26 Feb 2026)