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$82,589
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,158
−HK$2,610/mo
Today · 4.125%
HK$87,768
baseline
▲ 0.50% · 4.625%
HK$93,108
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,536/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,879
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,343
−HK$2,500/mo
Today · 4.125%
HK$96,843
baseline
▲ 0.50% · 4.625%
HK$101,948
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,686/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,107
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,189
−HK$3,133/mo
Today · 4.125%
HK$105,322
baseline
▲ 0.50% · 4.625%
HK$111,730
+HK$6,408/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,644/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,255
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,212
−HK$3,000/mo
Today · 4.125%
HK$116,212
baseline
▲ 0.50% · 4.625%
HK$122,338
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,424/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,624
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,221
−HK$3,654/mo
Today · 4.125%
HK$122,875
baseline
▲ 0.50% · 4.625%
HK$130,352
+HK$7,477/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$245,750/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,631
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,081
−HK$3,500/mo
Today · 4.125%
HK$135,581
baseline
▲ 0.50% · 4.625%
HK$142,727
+HK$7,146/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$271,162/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,660
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,284
−HK$4,698/mo
Today · 4.125%
HK$157,982
baseline
▲ 0.50% · 4.625%
HK$167,595
+HK$9,613/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,964/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,383
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,818
−HK$4,500/mo
Today · 4.125%
HK$174,318
baseline
▲ 0.50% · 4.625%
HK$183,506
+HK$9,188/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,636/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,314 · Scale 2, in force from 26 Feb 2026)