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$82,175
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,731
−HK$2,597/mo
Today · 4.125%
HK$87,328
baseline
▲ 0.50% · 4.625%
HK$92,642
+HK$5,314/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,656/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,419
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,871
−HK$2,487/mo
Today · 4.125%
HK$96,358
baseline
▲ 0.50% · 4.625%
HK$101,437
+HK$5,079/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,716/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,610
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,677
−HK$3,117/mo
Today · 4.125%
HK$104,794
baseline
▲ 0.50% · 4.625%
HK$111,170
+HK$6,376/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$209,588/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,703
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,645
−HK$2,985/mo
Today · 4.125%
HK$115,630
baseline
▲ 0.50% · 4.625%
HK$121,725
+HK$6,095/mo
Deposit HK$14.42M · loan HK$21.62M · min. income ≈ HK$231,260/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,045
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,624
−HK$3,635/mo
Today · 4.125%
HK$122,259
baseline
▲ 0.50% · 4.625%
HK$129,699
+HK$7,440/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,518/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,987
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,419
−HK$3,482/mo
Today · 4.125%
HK$134,901
baseline
▲ 0.50% · 4.625%
HK$142,012
+HK$7,111/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,802/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,915
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$152,516
−HK$4,675/mo
Today · 4.125%
HK$157,191
baseline
▲ 0.50% · 4.625%
HK$166,755
+HK$9,564/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,382/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,554
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$168,967
−HK$4,477/mo
Today · 4.125%
HK$173,444
baseline
▲ 0.50% · 4.625%
HK$182,587
+HK$9,143/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,888/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,601 · Scale 2, in force from 26 Feb 2026)