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$82,701
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,273
−HK$2,614/mo
Today · 4.125%
HK$87,887
baseline
▲ 0.50% · 4.625%
HK$93,234
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,774/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,004
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,471
−HK$2,503/mo
Today · 4.125%
HK$96,974
baseline
▲ 0.50% · 4.625%
HK$102,086
+HK$5,112/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,948/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,241
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,328
−HK$3,136/mo
Today · 4.125%
HK$105,464
baseline
▲ 0.50% · 4.625%
HK$111,881
+HK$6,417/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,928/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,404
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,365
−HK$3,004/mo
Today · 4.125%
HK$116,369
baseline
▲ 0.50% · 4.625%
HK$122,503
+HK$6,134/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,738/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,781
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,382
−HK$3,659/mo
Today · 4.125%
HK$123,041
baseline
▲ 0.50% · 4.625%
HK$130,528
+HK$7,487/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$246,082/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,805
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,260
−HK$3,504/mo
Today · 4.125%
HK$135,764
baseline
▲ 0.50% · 4.625%
HK$142,920
+HK$7,156/mo
Deposit HK$10.88M · loan HK$25.39M · min. income ≈ HK$271,528/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,861
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$153,492
−HK$4,704/mo
Today · 4.125%
HK$158,196
baseline
▲ 0.50% · 4.625%
HK$167,822
+HK$9,626/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$316,392/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,607
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,048
−HK$4,506/mo
Today · 4.125%
HK$174,554
baseline
▲ 0.50% · 4.625%
HK$183,755
+HK$9,201/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$349,108/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,397 · Scale 2, in force from 26 Feb 2026)