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$82,519
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,085
−HK$2,608/mo
Today · 4.125%
HK$87,693
baseline
▲ 0.50% · 4.625%
HK$93,029
+HK$5,336/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,386/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,801
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,263
−HK$2,498/mo
Today · 4.125%
HK$96,761
baseline
▲ 0.50% · 4.625%
HK$101,861
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,522/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,022
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,103
−HK$3,129/mo
Today · 4.125%
HK$105,232
baseline
▲ 0.50% · 4.625%
HK$111,635
+HK$6,403/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$210,464/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,161
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,116
−HK$2,997/mo
Today · 4.125%
HK$116,113
baseline
▲ 0.50% · 4.625%
HK$122,234
+HK$6,121/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$232,226/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,526
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,120
−HK$3,651/mo
Today · 4.125%
HK$122,771
baseline
▲ 0.50% · 4.625%
HK$130,241
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,542/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,522
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,969
−HK$3,496/mo
Today · 4.125%
HK$135,465
baseline
▲ 0.50% · 4.625%
HK$142,606
+HK$7,141/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,930/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,534
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$153,154
−HK$4,694/mo
Today · 4.125%
HK$157,848
baseline
▲ 0.50% · 4.625%
HK$167,453
+HK$9,605/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,696/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,242
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$169,674
−HK$4,496/mo
Today · 4.125%
HK$174,170
baseline
▲ 0.50% · 4.625%
HK$183,350
+HK$9,180/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,340/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,005 · Scale 2, in force from 26 Feb 2026)