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$82,684
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,256
−HK$2,613/mo
Today · 4.125%
HK$87,869
baseline
▲ 0.50% · 4.625%
HK$93,215
+HK$5,346/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,738/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,985
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,503/mo
Today · 4.125%
HK$96,955
baseline
▲ 0.50% · 4.625%
HK$102,065
+HK$5,110/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,910/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,221
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,307
−HK$3,136/mo
Today · 4.125%
HK$105,443
baseline
▲ 0.50% · 4.625%
HK$111,859
+HK$6,416/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$210,886/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,382
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,342
−HK$3,004/mo
Today · 4.125%
HK$116,346
baseline
▲ 0.50% · 4.625%
HK$122,478
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.76M · min. income ≈ HK$232,692/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,757
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,358
−HK$3,658/mo
Today · 4.125%
HK$123,016
baseline
▲ 0.50% · 4.625%
HK$130,502
+HK$7,486/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,032/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,779
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,233
−HK$3,503/mo
Today · 4.125%
HK$135,736
baseline
▲ 0.50% · 4.625%
HK$142,891
+HK$7,155/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,472/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,831
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,460
−HK$4,704/mo
Today · 4.125%
HK$158,164
baseline
▲ 0.50% · 4.625%
HK$167,788
+HK$9,624/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,328/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,573
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$170,013
−HK$4,505/mo
Today · 4.125%
HK$174,518
baseline
▲ 0.50% · 4.625%
HK$183,717
+HK$9,199/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$349,036/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,083 · Scale 2, in force from 26 Feb 2026)