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$82,725
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,615/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$93,262
+HK$5,349/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,031
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,499
−HK$2,504/mo
Today · 4.125%
HK$97,003
baseline
▲ 0.50% · 4.625%
HK$102,116
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$194,006/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,270
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,358
−HK$3,137/mo
Today · 4.125%
HK$105,495
baseline
▲ 0.50% · 4.625%
HK$111,914
+HK$6,419/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$210,990/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,437
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,399
−HK$3,004/mo
Today · 4.125%
HK$116,403
baseline
▲ 0.50% · 4.625%
HK$122,539
+HK$6,136/mo
Deposit HK$14.51M · loan HK$21.77M · min. income ≈ HK$232,806/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,815
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,418
−HK$3,660/mo
Today · 4.125%
HK$123,078
baseline
▲ 0.50% · 4.625%
HK$130,567
+HK$7,489/mo
Deposit HK$10.88M · loan HK$25.40M · min. income ≈ HK$246,156/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,843
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,299
−HK$3,505/mo
Today · 4.125%
HK$135,804
baseline
▲ 0.50% · 4.625%
HK$142,962
+HK$7,158/mo
Deposit HK$10.88M · loan HK$25.40M · min. income ≈ HK$271,608/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,905
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$153,537
−HK$4,706/mo
Today · 4.125%
HK$158,243
baseline
▲ 0.50% · 4.625%
HK$167,871
+HK$9,628/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,486/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,655
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$170,098
−HK$4,507/mo
Today · 4.125%
HK$174,605
baseline
▲ 0.50% · 4.625%
HK$183,809
+HK$9,204/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,210/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,851 · Scale 2, in force from 26 Feb 2026)