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$82,657
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,612/mo
Today · 4.125%
HK$87,840
baseline
▲ 0.50% · 4.625%
HK$93,185
+HK$5,345/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,680/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,955
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,421
−HK$2,502/mo
Today · 4.125%
HK$96,923
baseline
▲ 0.50% · 4.625%
HK$102,032
+HK$5,109/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,846/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,188
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,274
−HK$3,134/mo
Today · 4.125%
HK$105,408
baseline
▲ 0.50% · 4.625%
HK$111,822
+HK$6,414/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,816/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,346
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,305
−HK$3,003/mo
Today · 4.125%
HK$116,308
baseline
▲ 0.50% · 4.625%
HK$122,438
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,616/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,720
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,319
−HK$3,657/mo
Today · 4.125%
HK$122,976
baseline
▲ 0.50% · 4.625%
HK$130,459
+HK$7,483/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,952/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,737
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,190
−HK$3,502/mo
Today · 4.125%
HK$135,692
baseline
▲ 0.50% · 4.625%
HK$142,845
+HK$7,153/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,384/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,782
−HK$9,330/mo
▼ 0.25% · 3.875%
HK$153,410
−HK$4,702/mo
Today · 4.125%
HK$158,112
baseline
▲ 0.50% · 4.625%
HK$167,733
+HK$9,621/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,224/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,519
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,958
−HK$4,503/mo
Today · 4.125%
HK$174,461
baseline
▲ 0.50% · 4.625%
HK$183,658
+HK$9,197/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,922/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,581 · Scale 2, in force from 26 Feb 2026)