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$82,444
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,009
−HK$2,605/mo
Today · 4.125%
HK$87,614
baseline
▲ 0.50% · 4.625%
HK$92,946
+HK$5,332/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,228/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,719
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,178
−HK$2,496/mo
Today · 4.125%
HK$96,674
baseline
▲ 0.50% · 4.625%
HK$101,770
+HK$5,096/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,348/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,933
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,011
−HK$3,126/mo
Today · 4.125%
HK$105,137
baseline
▲ 0.50% · 4.625%
HK$111,535
+HK$6,398/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,274/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,062
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,014
−HK$2,995/mo
Today · 4.125%
HK$116,009
baseline
▲ 0.50% · 4.625%
HK$122,124
+HK$6,115/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$232,018/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,422
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,012
−HK$3,648/mo
Today · 4.125%
HK$122,660
baseline
▲ 0.50% · 4.625%
HK$130,124
+HK$7,464/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$245,320/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,406
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,850
−HK$3,493/mo
Today · 4.125%
HK$135,343
baseline
▲ 0.50% · 4.625%
HK$142,478
+HK$7,135/mo
Deposit HK$10.85M · loan HK$25.31M · min. income ≈ HK$270,686/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,400
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$153,016
−HK$4,690/mo
Today · 4.125%
HK$157,706
baseline
▲ 0.50% · 4.625%
HK$167,302
+HK$9,596/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$315,412/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,093
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$169,521
−HK$4,492/mo
Today · 4.125%
HK$174,013
baseline
▲ 0.50% · 4.625%
HK$183,185
+HK$9,172/mo
Deposit HK$3.62M · loan HK$32.54M · min. income ≈ HK$348,026/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,620 · Scale 2, in force from 26 Feb 2026)