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$82,510
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,077
−HK$2,607/mo
Today · 4.125%
HK$87,684
baseline
▲ 0.50% · 4.625%
HK$93,020
+HK$5,336/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,368/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,792
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,254
−HK$2,497/mo
Today · 4.125%
HK$96,751
baseline
▲ 0.50% · 4.625%
HK$101,851
+HK$5,100/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,502/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,012
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,092
−HK$3,129/mo
Today · 4.125%
HK$105,221
baseline
▲ 0.50% · 4.625%
HK$111,624
+HK$6,403/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,442/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,150
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,104
−HK$2,997/mo
Today · 4.125%
HK$116,101
baseline
▲ 0.50% · 4.625%
HK$122,221
+HK$6,120/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,202/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,514
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,108
−HK$3,650/mo
Today · 4.125%
HK$122,758
baseline
▲ 0.50% · 4.625%
HK$130,228
+HK$7,470/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$245,516/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,509
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,955
−HK$3,497/mo
Today · 4.125%
HK$135,452
baseline
▲ 0.50% · 4.625%
HK$142,591
+HK$7,139/mo
Deposit HK$10.86M · loan HK$25.33M · min. income ≈ HK$270,904/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,519
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,138
−HK$4,694/mo
Today · 4.125%
HK$157,832
baseline
▲ 0.50% · 4.625%
HK$167,436
+HK$9,604/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$315,664/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,225
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,657
−HK$4,495/mo
Today · 4.125%
HK$174,152
baseline
▲ 0.50% · 4.625%
HK$183,332
+HK$9,180/mo
Deposit HK$3.62M · loan HK$32.57M · min. income ≈ HK$348,304/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,848 · Scale 2, in force from 26 Feb 2026)