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$82,646
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,216
−HK$2,612/mo
Today · 4.125%
HK$87,828
baseline
▲ 0.50% · 4.625%
HK$93,172
+HK$5,344/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,656/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,943
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,408
−HK$2,502/mo
Today · 4.125%
HK$96,910
baseline
▲ 0.50% · 4.625%
HK$102,018
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,820/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,175
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,260
−HK$3,134/mo
Today · 4.125%
HK$105,394
baseline
▲ 0.50% · 4.625%
HK$111,807
+HK$6,413/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,788/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,331
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,290
−HK$3,002/mo
Today · 4.125%
HK$116,292
baseline
▲ 0.50% · 4.625%
HK$122,422
+HK$6,130/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,584/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,704
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,303
−HK$3,657/mo
Today · 4.125%
HK$122,960
baseline
▲ 0.50% · 4.625%
HK$130,441
+HK$7,481/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,920/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,720
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,172
−HK$3,502/mo
Today · 4.125%
HK$135,674
baseline
▲ 0.50% · 4.625%
HK$142,825
+HK$7,151/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,348/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,762
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,390
−HK$4,701/mo
Today · 4.125%
HK$158,091
baseline
▲ 0.50% · 4.625%
HK$167,710
+HK$9,619/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$316,182/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,497
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$169,935
−HK$4,503/mo
Today · 4.125%
HK$174,438
baseline
▲ 0.50% · 4.625%
HK$183,633
+HK$9,195/mo
Deposit HK$3.62M · loan HK$32.62M · min. income ≈ HK$348,876/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,372 · Scale 2, in force from 26 Feb 2026)