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$82,390
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,604/mo
Today · 4.125%
HK$87,557
baseline
▲ 0.50% · 4.625%
HK$92,884
+HK$5,327/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,114/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,658
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,116
−HK$2,494/mo
Today · 4.125%
HK$96,610
baseline
▲ 0.50% · 4.625%
HK$101,703
+HK$5,093/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,220/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,868
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,944
−HK$3,124/mo
Today · 4.125%
HK$105,068
baseline
▲ 0.50% · 4.625%
HK$111,461
+HK$6,393/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$210,136/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,990
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,940
−HK$2,992/mo
Today · 4.125%
HK$115,932
baseline
▲ 0.50% · 4.625%
HK$122,043
+HK$6,111/mo
Deposit HK$14.45M · loan HK$21.68M · min. income ≈ HK$231,864/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,346
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,934
−HK$3,646/mo
Today · 4.125%
HK$122,580
baseline
▲ 0.50% · 4.625%
HK$130,038
+HK$7,458/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$245,160/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,322
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,763
−HK$3,491/mo
Today · 4.125%
HK$135,254
baseline
▲ 0.50% · 4.625%
HK$142,384
+HK$7,130/mo
Deposit HK$10.84M · loan HK$25.29M · min. income ≈ HK$270,508/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,302
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,915
−HK$4,687/mo
Today · 4.125%
HK$157,602
baseline
▲ 0.50% · 4.625%
HK$167,192
+HK$9,590/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$315,204/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,985
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$169,410
−HK$4,489/mo
Today · 4.125%
HK$173,899
baseline
▲ 0.50% · 4.625%
HK$183,065
+HK$9,166/mo
Deposit HK$3.61M · loan HK$32.52M · min. income ≈ HK$347,798/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,535,610 · Scale 2, in force from 26 Feb 2026)