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$82,550
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,118
−HK$2,608/mo
Today · 4.125%
HK$87,726
baseline
▲ 0.50% · 4.625%
HK$93,064
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,452/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,836
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,299
−HK$2,498/mo
Today · 4.125%
HK$96,797
baseline
▲ 0.50% · 4.625%
HK$101,900
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,594/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,060
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,141
−HK$3,131/mo
Today · 4.125%
HK$105,272
baseline
▲ 0.50% · 4.625%
HK$111,677
+HK$6,405/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,544/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,203
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,159
−HK$2,998/mo
Today · 4.125%
HK$116,157
baseline
▲ 0.50% · 4.625%
HK$122,280
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,314/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,570
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,165
−HK$3,652/mo
Today · 4.125%
HK$122,817
baseline
▲ 0.50% · 4.625%
HK$130,290
+HK$7,473/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,634/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,570
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,018
−HK$3,498/mo
Today · 4.125%
HK$135,516
baseline
▲ 0.50% · 4.625%
HK$142,660
+HK$7,144/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,032/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,590
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,212
−HK$4,695/mo
Today · 4.125%
HK$157,907
baseline
▲ 0.50% · 4.625%
HK$167,516
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,814/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,304
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,738
−HK$4,497/mo
Today · 4.125%
HK$174,235
baseline
▲ 0.50% · 4.625%
HK$183,419
+HK$9,184/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,470/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,584 · Scale 2, in force from 26 Feb 2026)