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$82,363
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,925
−HK$2,603/mo
Today · 4.125%
HK$87,528
baseline
▲ 0.50% · 4.625%
HK$92,854
+HK$5,326/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$175,056/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,628
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,085
−HK$2,493/mo
Today · 4.125%
HK$96,578
baseline
▲ 0.50% · 4.625%
HK$101,669
+HK$5,091/mo
Deposit HK$18.06M · loan HK$18.06M · min. income ≈ HK$193,156/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,835
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,910
−HK$3,123/mo
Today · 4.125%
HK$105,033
baseline
▲ 0.50% · 4.625%
HK$111,424
+HK$6,391/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$210,066/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,953
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,902
−HK$2,992/mo
Today · 4.125%
HK$115,894
baseline
▲ 0.50% · 4.625%
HK$122,003
+HK$6,109/mo
Deposit HK$14.45M · loan HK$21.67M · min. income ≈ HK$231,788/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,308
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,895
−HK$3,644/mo
Today · 4.125%
HK$122,539
baseline
▲ 0.50% · 4.625%
HK$129,995
+HK$7,456/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$245,078/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,279
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,719
−HK$3,490/mo
Today · 4.125%
HK$135,209
baseline
▲ 0.50% · 4.625%
HK$142,337
+HK$7,128/mo
Deposit HK$10.84M · loan HK$25.28M · min. income ≈ HK$270,418/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,253
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,865
−HK$4,685/mo
Today · 4.125%
HK$157,550
baseline
▲ 0.50% · 4.625%
HK$167,136
+HK$9,586/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$315,100/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,930
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,353
−HK$4,488/mo
Today · 4.125%
HK$173,841
baseline
▲ 0.50% · 4.625%
HK$183,004
+HK$9,163/mo
Deposit HK$3.61M · loan HK$32.51M · min. income ≈ HK$347,682/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,100 · Scale 2, in force from 26 Feb 2026)