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$82,699
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,271
−HK$2,614/mo
Today · 4.125%
HK$87,885
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$5,348/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,770/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,002
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,469
−HK$2,503/mo
Today · 4.125%
HK$96,972
baseline
▲ 0.50% · 4.625%
HK$102,084
+HK$5,112/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,944/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,239
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,326
−HK$3,136/mo
Today · 4.125%
HK$105,462
baseline
▲ 0.50% · 4.625%
HK$111,879
+HK$6,417/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,924/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,402
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,363
−HK$3,004/mo
Today · 4.125%
HK$116,367
baseline
▲ 0.50% · 4.625%
HK$122,501
+HK$6,134/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,734/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,779
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,380
−HK$3,659/mo
Today · 4.125%
HK$123,039
baseline
▲ 0.50% · 4.625%
HK$130,526
+HK$7,487/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,078/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,803
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,257
−HK$3,504/mo
Today · 4.125%
HK$135,761
baseline
▲ 0.50% · 4.625%
HK$142,918
+HK$7,157/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,522/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,858
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$153,489
−HK$4,704/mo
Today · 4.125%
HK$158,193
baseline
▲ 0.50% · 4.625%
HK$167,819
+HK$9,626/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$316,386/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,603
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,045
−HK$4,505/mo
Today · 4.125%
HK$174,550
baseline
▲ 0.50% · 4.625%
HK$183,751
+HK$9,201/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$349,100/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,367 · Scale 2, in force from 26 Feb 2026)