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$82,715
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,288
−HK$2,614/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$5,349/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,503/mo
Today · 4.125%
HK$96,991
baseline
▲ 0.50% · 4.625%
HK$102,104
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$193,982/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,258
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,346
−HK$3,137/mo
Today · 4.125%
HK$105,483
baseline
▲ 0.50% · 4.625%
HK$111,901
+HK$6,418/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,966/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,424
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,385
−HK$3,005/mo
Today · 4.125%
HK$116,390
baseline
▲ 0.50% · 4.625%
HK$122,525
+HK$6,135/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,780/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,801
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,403
−HK$3,660/mo
Today · 4.125%
HK$123,063
baseline
▲ 0.50% · 4.625%
HK$130,551
+HK$7,488/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,126/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,828
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,283
−HK$3,505/mo
Today · 4.125%
HK$135,788
baseline
▲ 0.50% · 4.625%
HK$142,945
+HK$7,157/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,576/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,887
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$153,519
−HK$4,705/mo
Today · 4.125%
HK$158,224
baseline
▲ 0.50% · 4.625%
HK$167,851
+HK$9,627/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,448/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,636
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$170,078
−HK$4,506/mo
Today · 4.125%
HK$174,584
baseline
▲ 0.50% · 4.625%
HK$183,787
+HK$9,203/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,168/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,667 · Scale 2, in force from 26 Feb 2026)