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$82,506
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,607/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$93,015
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,787
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,249
−HK$2,497/mo
Today · 4.125%
HK$96,746
baseline
▲ 0.50% · 4.625%
HK$101,846
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,492/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,008
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,087
−HK$3,129/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$111,618
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,145
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,099
−HK$2,997/mo
Today · 4.125%
HK$116,096
baseline
▲ 0.50% · 4.625%
HK$122,215
+HK$6,119/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,192/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,509
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,102
−HK$3,650/mo
Today · 4.125%
HK$122,752
baseline
▲ 0.50% · 4.625%
HK$130,221
+HK$7,469/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,504/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,502
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,949
−HK$3,496/mo
Today · 4.125%
HK$135,445
baseline
▲ 0.50% · 4.625%
HK$142,585
+HK$7,140/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,890/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,511
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,131
−HK$4,693/mo
Today · 4.125%
HK$157,824
baseline
▲ 0.50% · 4.625%
HK$167,428
+HK$9,604/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,217
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,648
−HK$4,496/mo
Today · 4.125%
HK$174,144
baseline
▲ 0.50% · 4.625%
HK$183,323
+HK$9,179/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,288/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,775 · Scale 2, in force from 26 Feb 2026)