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$82,712
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,285
−HK$2,614/mo
Today · 4.125%
HK$87,899
baseline
▲ 0.50% · 4.625%
HK$93,247
+HK$5,348/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$175,798/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,016
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,484
−HK$2,503/mo
Today · 4.125%
HK$96,987
baseline
▲ 0.50% · 4.625%
HK$102,100
+HK$5,113/mo
Deposit HK$18.14M · loan HK$18.14M · min. income ≈ HK$193,974/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,254
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,342
−HK$3,136/mo
Today · 4.125%
HK$105,478
baseline
▲ 0.50% · 4.625%
HK$111,896
+HK$6,418/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,956/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,419
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,381
−HK$3,004/mo
Today · 4.125%
HK$116,385
baseline
▲ 0.50% · 4.625%
HK$122,520
+HK$6,135/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,770/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,797
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,398
−HK$3,660/mo
Today · 4.125%
HK$123,058
baseline
▲ 0.50% · 4.625%
HK$130,546
+HK$7,488/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,116/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,822
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,277
−HK$3,505/mo
Today · 4.125%
HK$135,782
baseline
▲ 0.50% · 4.625%
HK$142,940
+HK$7,158/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,564/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,881
−HK$9,336/mo
▼ 0.25% · 3.875%
HK$153,512
−HK$4,705/mo
Today · 4.125%
HK$158,217
baseline
▲ 0.50% · 4.625%
HK$167,845
+HK$9,628/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$316,434/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,629
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$170,071
−HK$4,506/mo
Today · 4.125%
HK$174,577
baseline
▲ 0.50% · 4.625%
HK$183,780
+HK$9,203/mo
Deposit HK$3.63M · loan HK$32.65M · min. income ≈ HK$349,154/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,604 · Scale 2, in force from 26 Feb 2026)