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$82,583
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,152
−HK$2,610/mo
Today · 4.125%
HK$87,762
baseline
▲ 0.50% · 4.625%
HK$93,102
+HK$5,340/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,524/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,873
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,337
−HK$2,499/mo
Today · 4.125%
HK$96,836
baseline
▲ 0.50% · 4.625%
HK$101,941
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,672/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,099
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,182
−HK$3,132/mo
Today · 4.125%
HK$105,314
baseline
▲ 0.50% · 4.625%
HK$111,722
+HK$6,408/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,628/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,247
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,204
−HK$2,999/mo
Today · 4.125%
HK$116,203
baseline
▲ 0.50% · 4.625%
HK$122,329
+HK$6,126/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,406/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,616
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,212
−HK$3,654/mo
Today · 4.125%
HK$122,866
baseline
▲ 0.50% · 4.625%
HK$130,342
+HK$7,476/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$245,732/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,622
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,071
−HK$3,500/mo
Today · 4.125%
HK$135,571
baseline
▲ 0.50% · 4.625%
HK$142,717
+HK$7,146/mo
Deposit HK$10.86M · loan HK$25.35M · min. income ≈ HK$271,142/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,649
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,273
−HK$4,698/mo
Today · 4.125%
HK$157,971
baseline
▲ 0.50% · 4.625%
HK$167,583
+HK$9,612/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$315,942/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,371
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,806
−HK$4,499/mo
Today · 4.125%
HK$174,305
baseline
▲ 0.50% · 4.625%
HK$183,493
+HK$9,188/mo
Deposit HK$3.62M · loan HK$32.59M · min. income ≈ HK$348,610/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,201 · Scale 2, in force from 26 Feb 2026)