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$82,555
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,123
−HK$2,609/mo
Today · 4.125%
HK$87,732
baseline
▲ 0.50% · 4.625%
HK$93,070
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,464/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,841
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,304
−HK$2,499/mo
Today · 4.125%
HK$96,803
baseline
▲ 0.50% · 4.625%
HK$101,906
+HK$5,103/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,606/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,066
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,147
−HK$3,131/mo
Today · 4.125%
HK$105,278
baseline
▲ 0.50% · 4.625%
HK$111,684
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,556/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,210
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,165
−HK$2,999/mo
Today · 4.125%
HK$116,164
baseline
▲ 0.50% · 4.625%
HK$122,287
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,328/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,577
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,172
−HK$3,652/mo
Today · 4.125%
HK$122,824
baseline
▲ 0.50% · 4.625%
HK$130,298
+HK$7,474/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,648/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,578
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,026
−HK$3,499/mo
Today · 4.125%
HK$135,525
baseline
▲ 0.50% · 4.625%
HK$142,668
+HK$7,143/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,050/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,599
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,221
−HK$4,696/mo
Today · 4.125%
HK$157,917
baseline
▲ 0.50% · 4.625%
HK$167,526
+HK$9,609/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,834/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,314
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$169,748
−HK$4,498/mo
Today · 4.125%
HK$174,246
baseline
▲ 0.50% · 4.625%
HK$183,431
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,492/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,677 · Scale 2, in force from 26 Feb 2026)