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$82,159
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,596/mo
Today · 4.125%
HK$87,311
baseline
▲ 0.50% · 4.625%
HK$92,624
+HK$5,313/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,622/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,401
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,852
−HK$2,487/mo
Today · 4.125%
HK$96,339
baseline
▲ 0.50% · 4.625%
HK$101,417
+HK$5,078/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,678/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,591
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,658
−HK$3,115/mo
Today · 4.125%
HK$104,773
baseline
▲ 0.50% · 4.625%
HK$111,149
+HK$6,376/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,546/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,681
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,623
−HK$2,984/mo
Today · 4.125%
HK$115,607
baseline
▲ 0.50% · 4.625%
HK$121,701
+HK$6,094/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,214/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,023
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,601
−HK$3,635/mo
Today · 4.125%
HK$122,236
baseline
▲ 0.50% · 4.625%
HK$129,673
+HK$7,437/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$244,472/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,962
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,393
−HK$3,482/mo
Today · 4.125%
HK$134,875
baseline
▲ 0.50% · 4.625%
HK$141,984
+HK$7,109/mo
Deposit HK$10.81M · loan HK$25.22M · min. income ≈ HK$269,750/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,886
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$152,486
−HK$4,674/mo
Today · 4.125%
HK$157,160
baseline
▲ 0.50% · 4.625%
HK$166,723
+HK$9,563/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,320/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,522
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$168,934
−HK$4,477/mo
Today · 4.125%
HK$173,411
baseline
▲ 0.50% · 4.625%
HK$182,551
+HK$9,140/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,822/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,531,302 · Scale 2, in force from 26 Feb 2026)