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$82,666
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,238
−HK$2,612/mo
Today · 4.125%
HK$87,850
baseline
▲ 0.50% · 4.625%
HK$93,196
+HK$5,346/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,700/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,965
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,432
−HK$2,502/mo
Today · 4.125%
HK$96,934
baseline
▲ 0.50% · 4.625%
HK$102,044
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,868/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,285
−HK$3,135/mo
Today · 4.125%
HK$105,420
baseline
▲ 0.50% · 4.625%
HK$111,835
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,840/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,359
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,318
−HK$3,003/mo
Today · 4.125%
HK$116,321
baseline
▲ 0.50% · 4.625%
HK$122,452
+HK$6,131/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,642/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,733
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,333
−HK$3,657/mo
Today · 4.125%
HK$122,990
baseline
▲ 0.50% · 4.625%
HK$130,474
+HK$7,484/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$245,980/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,752
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,205
−HK$3,503/mo
Today · 4.125%
HK$135,708
baseline
▲ 0.50% · 4.625%
HK$142,861
+HK$7,153/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,416/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,799
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,428
−HK$4,702/mo
Today · 4.125%
HK$158,130
baseline
▲ 0.50% · 4.625%
HK$167,752
+HK$9,622/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,260/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,538
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,977
−HK$4,504/mo
Today · 4.125%
HK$174,481
baseline
▲ 0.50% · 4.625%
HK$183,678
+HK$9,197/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$348,962/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,756 · Scale 2, in force from 26 Feb 2026)