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$82,606
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,611/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$93,127
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,898
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,363
−HK$2,500/mo
Today · 4.125%
HK$96,863
baseline
▲ 0.50% · 4.625%
HK$101,969
+HK$5,106/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,726/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,127
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,210
−HK$3,133/mo
Today · 4.125%
HK$105,343
baseline
▲ 0.50% · 4.625%
HK$111,753
+HK$6,410/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$210,686/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,278
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,235
−HK$3,001/mo
Today · 4.125%
HK$116,236
baseline
▲ 0.50% · 4.625%
HK$122,363
+HK$6,127/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$232,472/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,648
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,245
−HK$3,655/mo
Today · 4.125%
HK$122,900
baseline
▲ 0.50% · 4.625%
HK$130,378
+HK$7,478/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$245,800/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,657
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,108
−HK$3,500/mo
Today · 4.125%
HK$135,608
baseline
▲ 0.50% · 4.625%
HK$142,756
+HK$7,148/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$271,216/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,690
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$153,315
−HK$4,700/mo
Today · 4.125%
HK$158,015
baseline
▲ 0.50% · 4.625%
HK$167,629
+HK$9,614/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$316,030/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,417
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$169,853
−HK$4,500/mo
Today · 4.125%
HK$174,353
baseline
▲ 0.50% · 4.625%
HK$183,544
+HK$9,191/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,706/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,627 · Scale 2, in force from 26 Feb 2026)