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$82,492
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,058
−HK$2,607/mo
Today · 4.125%
HK$87,665
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,330/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,772
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,233
−HK$2,497/mo
Today · 4.125%
HK$96,730
baseline
▲ 0.50% · 4.625%
HK$101,829
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,460/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,991
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,070
−HK$3,128/mo
Today · 4.125%
HK$105,198
baseline
▲ 0.50% · 4.625%
HK$111,600
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,396/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,126
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,080
−HK$2,996/mo
Today · 4.125%
HK$116,076
baseline
▲ 0.50% · 4.625%
HK$122,195
+HK$6,119/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,152/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,489
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,082
−HK$3,650/mo
Today · 4.125%
HK$122,732
baseline
▲ 0.50% · 4.625%
HK$130,199
+HK$7,467/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,464/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,481
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,927
−HK$3,495/mo
Today · 4.125%
HK$135,422
baseline
▲ 0.50% · 4.625%
HK$142,560
+HK$7,138/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,844/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,486
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,105
−HK$4,693/mo
Today · 4.125%
HK$157,798
baseline
▲ 0.50% · 4.625%
HK$167,399
+HK$9,601/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,596/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,190
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$169,620
−HK$4,494/mo
Today · 4.125%
HK$174,114
baseline
▲ 0.50% · 4.625%
HK$183,292
+HK$9,178/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,228/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,515 · Scale 2, in force from 26 Feb 2026)