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$82,592
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,161
−HK$2,610/mo
Today · 4.125%
HK$87,771
baseline
▲ 0.50% · 4.625%
HK$93,112
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,542/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,883
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,347
−HK$2,500/mo
Today · 4.125%
HK$96,847
baseline
▲ 0.50% · 4.625%
HK$101,952
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,694/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,110
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,193
−HK$3,132/mo
Today · 4.125%
HK$105,325
baseline
▲ 0.50% · 4.625%
HK$111,734
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,650/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,259
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,216
−HK$3,000/mo
Today · 4.125%
HK$116,216
baseline
▲ 0.50% · 4.625%
HK$122,342
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,432/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,629
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,225
−HK$3,655/mo
Today · 4.125%
HK$122,880
baseline
▲ 0.50% · 4.625%
HK$130,357
+HK$7,477/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$245,760/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,636
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,086
−HK$3,500/mo
Today · 4.125%
HK$135,586
baseline
▲ 0.50% · 4.625%
HK$142,733
+HK$7,147/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$271,172/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,666
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,290
−HK$4,698/mo
Today · 4.125%
HK$157,988
baseline
▲ 0.50% · 4.625%
HK$167,601
+HK$9,613/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,976/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,389
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,825
−HK$4,499/mo
Today · 4.125%
HK$174,324
baseline
▲ 0.50% · 4.625%
HK$183,513
+HK$9,189/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,371 · Scale 2, in force from 26 Feb 2026)