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$82,593
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,610/mo
Today · 4.125%
HK$87,773
baseline
▲ 0.50% · 4.625%
HK$93,114
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,546/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,884
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,349
−HK$2,500/mo
Today · 4.125%
HK$96,849
baseline
▲ 0.50% · 4.625%
HK$101,954
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,698/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,112
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,195
−HK$3,132/mo
Today · 4.125%
HK$105,327
baseline
▲ 0.50% · 4.625%
HK$111,736
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,654/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,261
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,218
−HK$3,000/mo
Today · 4.125%
HK$116,218
baseline
▲ 0.50% · 4.625%
HK$122,344
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,436/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,631
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,228
−HK$3,654/mo
Today · 4.125%
HK$122,882
baseline
▲ 0.50% · 4.625%
HK$130,359
+HK$7,477/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$245,764/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,638
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,088
−HK$3,500/mo
Today · 4.125%
HK$135,588
baseline
▲ 0.50% · 4.625%
HK$142,735
+HK$7,147/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$271,176/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,668
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$153,293
−HK$4,698/mo
Today · 4.125%
HK$157,991
baseline
▲ 0.50% · 4.625%
HK$167,604
+HK$9,613/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,982/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,392
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$169,828
−HK$4,500/mo
Today · 4.125%
HK$174,328
baseline
▲ 0.50% · 4.625%
HK$183,517
+HK$9,189/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,656/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,399 · Scale 2, in force from 26 Feb 2026)