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$82,488
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,054
−HK$2,606/mo
Today · 4.125%
HK$87,660
baseline
▲ 0.50% · 4.625%
HK$92,994
+HK$5,334/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,320/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,767
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,228
−HK$2,497/mo
Today · 4.125%
HK$96,725
baseline
▲ 0.50% · 4.625%
HK$101,823
+HK$5,098/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,450/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,985
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,064
−HK$3,129/mo
Today · 4.125%
HK$105,193
baseline
▲ 0.50% · 4.625%
HK$111,593
+HK$6,400/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,386/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,120
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,073
−HK$2,997/mo
Today · 4.125%
HK$116,070
baseline
▲ 0.50% · 4.625%
HK$122,188
+HK$6,118/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,140/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,483
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,075
−HK$3,650/mo
Today · 4.125%
HK$122,725
baseline
▲ 0.50% · 4.625%
HK$130,192
+HK$7,467/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,450/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,473
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,919
−HK$3,495/mo
Today · 4.125%
HK$135,414
baseline
▲ 0.50% · 4.625%
HK$142,552
+HK$7,138/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,828/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,478
−HK$9,311/mo
▼ 0.25% · 3.875%
HK$153,096
−HK$4,693/mo
Today · 4.125%
HK$157,789
baseline
▲ 0.50% · 4.625%
HK$167,390
+HK$9,601/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,578/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,180
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$169,610
−HK$4,494/mo
Today · 4.125%
HK$174,104
baseline
▲ 0.50% · 4.625%
HK$183,282
+HK$9,178/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,208/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,428 · Scale 2, in force from 26 Feb 2026)