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$82,132
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,595/mo
Today · 4.125%
HK$87,282
baseline
▲ 0.50% · 4.625%
HK$92,593
+HK$5,311/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,564/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,371
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,821
−HK$2,486/mo
Today · 4.125%
HK$96,307
baseline
▲ 0.50% · 4.625%
HK$101,384
+HK$5,077/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,614/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,558
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,624
−HK$3,115/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$111,112
+HK$6,373/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,645
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,586
−HK$2,983/mo
Today · 4.125%
HK$115,569
baseline
▲ 0.50% · 4.625%
HK$121,660
+HK$6,091/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,138/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,984
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,561
−HK$3,634/mo
Today · 4.125%
HK$122,195
baseline
▲ 0.50% · 4.625%
HK$129,630
+HK$7,435/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$244,390/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,919
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,350
−HK$3,480/mo
Today · 4.125%
HK$134,830
baseline
▲ 0.50% · 4.625%
HK$141,937
+HK$7,107/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$269,660/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,837
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$152,436
−HK$4,672/mo
Today · 4.125%
HK$157,108
baseline
▲ 0.50% · 4.625%
HK$166,667
+HK$9,559/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,216/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,467
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,878
−HK$4,475/mo
Today · 4.125%
HK$173,353
baseline
▲ 0.50% · 4.625%
HK$182,491
+HK$9,138/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,706/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,793 · Scale 2, in force from 26 Feb 2026)