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$82,326
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,887
−HK$2,601/mo
Today · 4.125%
HK$87,488
baseline
▲ 0.50% · 4.625%
HK$92,812
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,976/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,587
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,043
−HK$2,492/mo
Today · 4.125%
HK$96,535
baseline
▲ 0.50% · 4.625%
HK$101,623
+HK$5,088/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,070/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,791
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,864
−HK$3,122/mo
Today · 4.125%
HK$104,986
baseline
▲ 0.50% · 4.625%
HK$111,374
+HK$6,388/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,972/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,904
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,852
−HK$2,990/mo
Today · 4.125%
HK$115,842
baseline
▲ 0.50% · 4.625%
HK$121,948
+HK$6,106/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,684/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,256
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,841
−HK$3,643/mo
Today · 4.125%
HK$122,484
baseline
▲ 0.50% · 4.625%
HK$129,937
+HK$7,453/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,968/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,221
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,660
−HK$3,489/mo
Today · 4.125%
HK$135,149
baseline
▲ 0.50% · 4.625%
HK$142,273
+HK$7,124/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,298/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,187
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$152,796
−HK$4,683/mo
Today · 4.125%
HK$157,479
baseline
▲ 0.50% · 4.625%
HK$167,061
+HK$9,582/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$314,958/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,856
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,277
−HK$4,486/mo
Today · 4.125%
HK$173,763
baseline
▲ 0.50% · 4.625%
HK$182,922
+HK$9,159/mo
Deposit HK$3.61M · loan HK$32.49M · min. income ≈ HK$347,526/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,534,412 · Scale 2, in force from 26 Feb 2026)