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$82,380
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,603/mo
Today · 4.125%
HK$87,546
baseline
▲ 0.50% · 4.625%
HK$92,873
+HK$5,327/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,092/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,647
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,105
−HK$2,494/mo
Today · 4.125%
HK$96,599
baseline
▲ 0.50% · 4.625%
HK$101,690
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,198/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,856
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,931
−HK$3,124/mo
Today · 4.125%
HK$105,055
baseline
▲ 0.50% · 4.625%
HK$111,448
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,110/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,977
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,926
−HK$2,992/mo
Today · 4.125%
HK$115,918
baseline
▲ 0.50% · 4.625%
HK$122,029
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,836/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,332
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,920
−HK$3,645/mo
Today · 4.125%
HK$122,565
baseline
▲ 0.50% · 4.625%
HK$130,022
+HK$7,457/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,130/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,306
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,747
−HK$3,491/mo
Today · 4.125%
HK$135,238
baseline
▲ 0.50% · 4.625%
HK$142,367
+HK$7,129/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,476/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,284
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,897
−HK$4,686/mo
Today · 4.125%
HK$157,583
baseline
▲ 0.50% · 4.625%
HK$167,172
+HK$9,589/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,166/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,965
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,389
−HK$4,488/mo
Today · 4.125%
HK$173,877
baseline
▲ 0.50% · 4.625%
HK$183,043
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,754/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,424 · Scale 2, in force from 26 Feb 2026)