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$82,257
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,816
−HK$2,600/mo
Today · 4.125%
HK$87,416
baseline
▲ 0.50% · 4.625%
HK$92,735
+HK$5,319/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,832/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,511
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,965
−HK$2,490/mo
Today · 4.125%
HK$96,455
baseline
▲ 0.50% · 4.625%
HK$101,539
+HK$5,084/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,910/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,709
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,779
−HK$3,120/mo
Today · 4.125%
HK$104,899
baseline
▲ 0.50% · 4.625%
HK$111,282
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,798/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,813
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,758
−HK$2,988/mo
Today · 4.125%
HK$115,746
baseline
▲ 0.50% · 4.625%
HK$121,847
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,492/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,160
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,743
−HK$3,639/mo
Today · 4.125%
HK$122,382
baseline
▲ 0.50% · 4.625%
HK$129,829
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,764/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,115
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,551
−HK$3,486/mo
Today · 4.125%
HK$135,037
baseline
▲ 0.50% · 4.625%
HK$142,154
+HK$7,117/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,074/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,063
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,669
−HK$4,679/mo
Today · 4.125%
HK$157,348
baseline
▲ 0.50% · 4.625%
HK$166,923
+HK$9,575/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,696/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,719
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,137
−HK$4,481/mo
Today · 4.125%
HK$173,618
baseline
▲ 0.50% · 4.625%
HK$182,770
+HK$9,152/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,236/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,136 · Scale 2, in force from 26 Feb 2026)