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$82,249
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,600/mo
Today · 4.125%
HK$87,407
baseline
▲ 0.50% · 4.625%
HK$92,725
+HK$5,318/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,814/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,501
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,955
−HK$2,490/mo
Today · 4.125%
HK$96,445
baseline
▲ 0.50% · 4.625%
HK$101,528
+HK$5,083/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,890/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,699
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,769
−HK$3,119/mo
Today · 4.125%
HK$104,888
baseline
▲ 0.50% · 4.625%
HK$111,270
+HK$6,382/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,776/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,801
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,746
−HK$2,988/mo
Today · 4.125%
HK$115,734
baseline
▲ 0.50% · 4.625%
HK$121,834
+HK$6,100/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,468/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,149
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,730
−HK$3,639/mo
Today · 4.125%
HK$122,369
baseline
▲ 0.50% · 4.625%
HK$129,815
+HK$7,446/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,738/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,102
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,537
−HK$3,486/mo
Today · 4.125%
HK$135,023
baseline
▲ 0.50% · 4.625%
HK$142,140
+HK$7,117/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,046/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,048
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$152,653
−HK$4,679/mo
Today · 4.125%
HK$157,332
baseline
▲ 0.50% · 4.625%
HK$166,905
+HK$9,573/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$314,664/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,702
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$169,119
−HK$4,481/mo
Today · 4.125%
HK$173,600
baseline
▲ 0.50% · 4.625%
HK$182,751
+HK$9,151/mo
Deposit HK$3.61M · loan HK$32.46M · min. income ≈ HK$347,200/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,977 · Scale 2, in force from 26 Feb 2026)