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$83,025
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,607
−HK$2,624/mo
Today · 4.125%
HK$88,231
baseline
▲ 0.50% · 4.625%
HK$93,600
+HK$5,369/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$176,462/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,364
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,841
−HK$2,513/mo
Today · 4.125%
HK$97,354
baseline
▲ 0.50% · 4.625%
HK$102,486
+HK$5,132/mo
Deposit HK$18.21M · loan HK$18.21M · min. income ≈ HK$194,708/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,630
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,729
−HK$3,148/mo
Today · 4.125%
HK$105,877
baseline
▲ 0.50% · 4.625%
HK$112,320
+HK$6,443/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$211,754/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,837
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,810
−HK$3,015/mo
Today · 4.125%
HK$116,825
baseline
▲ 0.50% · 4.625%
HK$122,983
+HK$6,158/mo
Deposit HK$14.56M · loan HK$21.85M · min. income ≈ HK$233,650/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,235
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,850
−HK$3,674/mo
Today · 4.125%
HK$123,524
baseline
▲ 0.50% · 4.625%
HK$131,040
+HK$7,516/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$247,048/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,310
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,778
−HK$3,518/mo
Today · 4.125%
HK$136,296
baseline
▲ 0.50% · 4.625%
HK$143,480
+HK$7,184/mo
Deposit HK$10.92M · loan HK$25.49M · min. income ≈ HK$272,592/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,444
−HK$9,372/mo
▼ 0.25% · 3.875%
HK$154,093
−HK$4,723/mo
Today · 4.125%
HK$158,816
baseline
▲ 0.50% · 4.625%
HK$168,480
+HK$9,664/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,632/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,255
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$170,714
−HK$4,524/mo
Today · 4.125%
HK$175,238
baseline
▲ 0.50% · 4.625%
HK$184,475
+HK$9,237/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,476/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,436 · Scale 2, in force from 26 Feb 2026)