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$82,113
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,668
−HK$2,595/mo
Today · 4.125%
HK$87,263
baseline
▲ 0.50% · 4.625%
HK$92,572
+HK$5,309/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,526/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,350
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,800
−HK$2,486/mo
Today · 4.125%
HK$96,286
baseline
▲ 0.50% · 4.625%
HK$101,361
+HK$5,075/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,572/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,536
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,601
−HK$3,114/mo
Today · 4.125%
HK$104,715
baseline
▲ 0.50% · 4.625%
HK$111,087
+HK$6,372/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$209,430/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,620
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,560
−HK$2,983/mo
Today · 4.125%
HK$115,543
baseline
▲ 0.50% · 4.625%
HK$121,633
+HK$6,090/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$231,086/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,959
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,535
−HK$3,633/mo
Today · 4.125%
HK$122,168
baseline
▲ 0.50% · 4.625%
HK$129,601
+HK$7,433/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$244,336/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,891
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,320
−HK$3,480/mo
Today · 4.125%
HK$134,800
baseline
▲ 0.50% · 4.625%
HK$141,906
+HK$7,106/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$269,600/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,804
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$152,402
−HK$4,671/mo
Today · 4.125%
HK$157,073
baseline
▲ 0.50% · 4.625%
HK$166,630
+HK$9,557/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$314,146/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,431
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,841
−HK$4,473/mo
Today · 4.125%
HK$173,314
baseline
▲ 0.50% · 4.625%
HK$182,450
+HK$9,136/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$346,628/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,452 · Scale 2, in force from 26 Feb 2026)