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$82,424
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,988
−HK$2,605/mo
Today · 4.125%
HK$87,593
baseline
▲ 0.50% · 4.625%
HK$92,923
+HK$5,330/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,186/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,696
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,156
−HK$2,494/mo
Today · 4.125%
HK$96,650
baseline
▲ 0.50% · 4.625%
HK$101,745
+HK$5,095/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,300/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,986
−HK$3,126/mo
Today · 4.125%
HK$105,112
baseline
▲ 0.50% · 4.625%
HK$111,508
+HK$6,396/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,224/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,036
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,987
−HK$2,994/mo
Today · 4.125%
HK$115,981
baseline
▲ 0.50% · 4.625%
HK$122,094
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,962/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,394
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,984
−HK$3,646/mo
Today · 4.125%
HK$122,630
baseline
▲ 0.50% · 4.625%
HK$130,092
+HK$7,462/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,260/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,375
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,818
−HK$3,493/mo
Today · 4.125%
HK$135,311
baseline
▲ 0.50% · 4.625%
HK$142,443
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,622/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,364
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$152,979
−HK$4,689/mo
Today · 4.125%
HK$157,668
baseline
▲ 0.50% · 4.625%
HK$167,261
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,336/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,053
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$169,480
−HK$4,491/mo
Today · 4.125%
HK$173,971
baseline
▲ 0.50% · 4.625%
HK$183,141
+HK$9,170/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,942/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,248 · Scale 2, in force from 26 Feb 2026)