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$82,738
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,311
−HK$2,615/mo
Today · 4.125%
HK$87,926
baseline
▲ 0.50% · 4.625%
HK$93,276
+HK$5,350/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,852/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,045
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,514
−HK$2,504/mo
Today · 4.125%
HK$97,018
baseline
▲ 0.50% · 4.625%
HK$102,132
+HK$5,114/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$194,036/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,285
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,374
−HK$3,137/mo
Today · 4.125%
HK$105,511
baseline
▲ 0.50% · 4.625%
HK$111,932
+HK$6,421/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$211,022/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,454
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,416
−HK$3,005/mo
Today · 4.125%
HK$116,421
baseline
▲ 0.50% · 4.625%
HK$122,558
+HK$6,137/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$232,842/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,833
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,436
−HK$3,661/mo
Today · 4.125%
HK$123,097
baseline
▲ 0.50% · 4.625%
HK$130,587
+HK$7,490/mo
Deposit HK$10.89M · loan HK$25.40M · min. income ≈ HK$246,194/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,863
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,319
−HK$3,506/mo
Today · 4.125%
HK$135,825
baseline
▲ 0.50% · 4.625%
HK$142,985
+HK$7,160/mo
Deposit HK$10.89M · loan HK$25.40M · min. income ≈ HK$271,650/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,928
−HK$9,339/mo
▼ 0.25% · 3.875%
HK$153,561
−HK$4,706/mo
Today · 4.125%
HK$158,267
baseline
▲ 0.50% · 4.625%
HK$167,897
+HK$9,630/mo
Deposit HK$3.63M · loan HK$32.66M · min. income ≈ HK$316,534/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,681
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$170,124
−HK$4,508/mo
Today · 4.125%
HK$174,632
baseline
▲ 0.50% · 4.625%
HK$183,837
+HK$9,205/mo
Deposit HK$3.63M · loan HK$32.66M · min. income ≈ HK$349,264/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,542,089 · Scale 2, in force from 26 Feb 2026)