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$82,128
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,682
−HK$2,596/mo
Today · 4.125%
HK$87,278
baseline
▲ 0.50% · 4.625%
HK$92,588
+HK$5,310/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,556/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,366
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,816
−HK$2,486/mo
Today · 4.125%
HK$96,302
baseline
▲ 0.50% · 4.625%
HK$101,378
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,604/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,553
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,619
−HK$3,114/mo
Today · 4.125%
HK$104,733
baseline
▲ 0.50% · 4.625%
HK$111,106
+HK$6,373/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,466/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,639
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,580
−HK$2,983/mo
Today · 4.125%
HK$115,563
baseline
▲ 0.50% · 4.625%
HK$121,654
+HK$6,091/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,126/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,979
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,555
−HK$3,634/mo
Today · 4.125%
HK$122,189
baseline
▲ 0.50% · 4.625%
HK$129,624
+HK$7,435/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$244,378/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,912
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,343
−HK$3,480/mo
Today · 4.125%
HK$134,823
baseline
▲ 0.50% · 4.625%
HK$141,930
+HK$7,107/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$269,646/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,830
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$152,428
−HK$4,672/mo
Today · 4.125%
HK$157,100
baseline
▲ 0.50% · 4.625%
HK$166,659
+HK$9,559/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,200/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,459
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$168,870
−HK$4,474/mo
Today · 4.125%
HK$173,344
baseline
▲ 0.50% · 4.625%
HK$182,481
+HK$9,137/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,688/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,714 · Scale 2, in force from 26 Feb 2026)