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$82,282
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,841
−HK$2,601/mo
Today · 4.125%
HK$87,442
baseline
▲ 0.50% · 4.625%
HK$92,762
+HK$5,320/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,884/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,538
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,993
−HK$2,490/mo
Today · 4.125%
HK$96,483
baseline
▲ 0.50% · 4.625%
HK$101,569
+HK$5,086/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,966/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,738
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,809
−HK$3,121/mo
Today · 4.125%
HK$104,930
baseline
▲ 0.50% · 4.625%
HK$111,315
+HK$6,385/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,860/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,845
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,791
−HK$2,989/mo
Today · 4.125%
HK$115,780
baseline
▲ 0.50% · 4.625%
HK$121,883
+HK$6,103/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,560/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,195
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,778
−HK$3,640/mo
Today · 4.125%
HK$122,418
baseline
▲ 0.50% · 4.625%
HK$129,867
+HK$7,449/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,836/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,153
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,590
−HK$3,486/mo
Today · 4.125%
HK$135,076
baseline
▲ 0.50% · 4.625%
HK$142,197
+HK$7,121/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,152/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,107
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,714
−HK$4,681/mo
Today · 4.125%
HK$157,395
baseline
▲ 0.50% · 4.625%
HK$166,972
+HK$9,577/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,790/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,768
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$169,187
−HK$4,483/mo
Today · 4.125%
HK$173,670
baseline
▲ 0.50% · 4.625%
HK$182,824
+HK$9,154/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,340/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,590 · Scale 2, in force from 26 Feb 2026)