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$82,215
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,772
−HK$2,599/mo
Today · 4.125%
HK$87,371
baseline
▲ 0.50% · 4.625%
HK$92,687
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,742/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,463
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,916
−HK$2,489/mo
Today · 4.125%
HK$96,405
baseline
▲ 0.50% · 4.625%
HK$101,486
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,810/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,658
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,727
−HK$3,118/mo
Today · 4.125%
HK$104,845
baseline
▲ 0.50% · 4.625%
HK$111,224
+HK$6,379/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,690/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,756
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,700
−HK$2,986/mo
Today · 4.125%
HK$115,686
baseline
▲ 0.50% · 4.625%
HK$121,784
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,372/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,101
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,681
−HK$3,638/mo
Today · 4.125%
HK$122,319
baseline
▲ 0.50% · 4.625%
HK$129,762
+HK$7,443/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,638/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,049
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,483
−HK$3,484/mo
Today · 4.125%
HK$134,967
baseline
▲ 0.50% · 4.625%
HK$142,081
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,934/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,987
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,590
−HK$4,677/mo
Today · 4.125%
HK$157,267
baseline
▲ 0.50% · 4.625%
HK$166,836
+HK$9,569/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,534/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,634
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$169,049
−HK$4,480/mo
Today · 4.125%
HK$173,529
baseline
▲ 0.50% · 4.625%
HK$182,676
+HK$9,147/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,058/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,344 · Scale 2, in force from 26 Feb 2026)