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$82,520
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,087
−HK$2,608/mo
Today · 4.125%
HK$87,695
baseline
▲ 0.50% · 4.625%
HK$93,031
+HK$5,336/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,390/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,803
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,265
−HK$2,497/mo
Today · 4.125%
HK$96,762
baseline
▲ 0.50% · 4.625%
HK$101,863
+HK$5,101/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,524/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,024
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,104
−HK$3,130/mo
Today · 4.125%
HK$105,234
baseline
▲ 0.50% · 4.625%
HK$111,637
+HK$6,403/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$210,468/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,163
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,118
−HK$2,997/mo
Today · 4.125%
HK$116,115
baseline
▲ 0.50% · 4.625%
HK$122,236
+HK$6,121/mo
Deposit HK$14.48M · loan HK$21.71M · min. income ≈ HK$232,230/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,528
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,122
−HK$3,651/mo
Today · 4.125%
HK$122,773
baseline
▲ 0.50% · 4.625%
HK$130,243
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,546/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,524
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,971
−HK$3,496/mo
Today · 4.125%
HK$135,467
baseline
▲ 0.50% · 4.625%
HK$142,608
+HK$7,141/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,934/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,536
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$153,156
−HK$4,695/mo
Today · 4.125%
HK$157,851
baseline
▲ 0.50% · 4.625%
HK$167,455
+HK$9,604/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,702/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,245
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,677
−HK$4,495/mo
Today · 4.125%
HK$174,172
baseline
▲ 0.50% · 4.625%
HK$183,353
+HK$9,181/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,344/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,029 · Scale 2, in force from 26 Feb 2026)