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$82,713
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,286
−HK$2,614/mo
Today · 4.125%
HK$87,900
baseline
▲ 0.50% · 4.625%
HK$93,248
+HK$5,348/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,800/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,017
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,485
−HK$2,503/mo
Today · 4.125%
HK$96,988
baseline
▲ 0.50% · 4.625%
HK$102,101
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$193,976/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,255
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,343
−HK$3,136/mo
Today · 4.125%
HK$105,479
baseline
▲ 0.50% · 4.625%
HK$111,898
+HK$6,419/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,958/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,420
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,382
−HK$3,004/mo
Today · 4.125%
HK$116,386
baseline
▲ 0.50% · 4.625%
HK$122,521
+HK$6,135/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,772/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,798
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,400
−HK$3,659/mo
Today · 4.125%
HK$123,059
baseline
▲ 0.50% · 4.625%
HK$130,547
+HK$7,488/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,118/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,824
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,279
−HK$3,505/mo
Today · 4.125%
HK$135,784
baseline
▲ 0.50% · 4.625%
HK$142,941
+HK$7,157/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,568/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,883
−HK$9,336/mo
▼ 0.25% · 3.875%
HK$153,514
−HK$4,705/mo
Today · 4.125%
HK$158,219
baseline
▲ 0.50% · 4.625%
HK$167,846
+HK$9,627/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,438/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,631
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$170,073
−HK$4,506/mo
Today · 4.125%
HK$174,579
baseline
▲ 0.50% · 4.625%
HK$183,782
+HK$9,203/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,158/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,621 · Scale 2, in force from 26 Feb 2026)