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$82,513
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,080
−HK$2,608/mo
Today · 4.125%
HK$87,688
baseline
▲ 0.50% · 4.625%
HK$93,023
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,376/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,795
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,257
−HK$2,498/mo
Today · 4.125%
HK$96,755
baseline
▲ 0.50% · 4.625%
HK$101,855
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,510/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,016
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,096
−HK$3,129/mo
Today · 4.125%
HK$105,225
baseline
▲ 0.50% · 4.625%
HK$111,628
+HK$6,403/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,450/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,155
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,109
−HK$2,997/mo
Today · 4.125%
HK$116,106
baseline
▲ 0.50% · 4.625%
HK$122,226
+HK$6,120/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,212/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,519
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,112
−HK$3,651/mo
Today · 4.125%
HK$122,763
baseline
▲ 0.50% · 4.625%
HK$130,233
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,526/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,514
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,960
−HK$3,497/mo
Today · 4.125%
HK$135,457
baseline
▲ 0.50% · 4.625%
HK$142,597
+HK$7,140/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,914/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,524
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$153,144
−HK$4,694/mo
Today · 4.125%
HK$157,838
baseline
▲ 0.50% · 4.625%
HK$167,442
+HK$9,604/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,676/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,232
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,663
−HK$4,496/mo
Today · 4.125%
HK$174,159
baseline
▲ 0.50% · 4.625%
HK$183,339
+HK$9,180/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,318/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,908 · Scale 2, in force from 26 Feb 2026)