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$82,499
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,066
−HK$2,607/mo
Today · 4.125%
HK$87,673
baseline
▲ 0.50% · 4.625%
HK$93,008
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,346/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,780
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,241
−HK$2,497/mo
Today · 4.125%
HK$96,738
baseline
▲ 0.50% · 4.625%
HK$101,838
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,476/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,999
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,079
−HK$3,129/mo
Today · 4.125%
HK$105,208
baseline
▲ 0.50% · 4.625%
HK$111,609
+HK$6,401/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,416/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,136
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,090
−HK$2,996/mo
Today · 4.125%
HK$116,086
baseline
▲ 0.50% · 4.625%
HK$122,205
+HK$6,119/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,172/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,499
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,092
−HK$3,650/mo
Today · 4.125%
HK$122,742
baseline
▲ 0.50% · 4.625%
HK$130,211
+HK$7,469/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,484/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,492
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$131,938
−HK$3,496/mo
Today · 4.125%
HK$135,434
baseline
▲ 0.50% · 4.625%
HK$142,573
+HK$7,139/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,868/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,499
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,118
−HK$4,693/mo
Today · 4.125%
HK$157,811
baseline
▲ 0.50% · 4.625%
HK$167,414
+HK$9,603/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,622/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,204
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,634
−HK$4,495/mo
Today · 4.125%
HK$174,129
baseline
▲ 0.50% · 4.625%
HK$183,308
+HK$9,179/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,258/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,647 · Scale 2, in force from 26 Feb 2026)