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$82,502
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,069
−HK$2,607/mo
Today · 4.125%
HK$87,676
baseline
▲ 0.50% · 4.625%
HK$93,011
+HK$5,335/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$175,352/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,783
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,245
−HK$2,497/mo
Today · 4.125%
HK$96,742
baseline
▲ 0.50% · 4.625%
HK$101,841
+HK$5,099/mo
Deposit HK$18.09M · loan HK$18.09M · min. income ≈ HK$193,484/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,003
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,082
−HK$3,129/mo
Today · 4.125%
HK$105,211
baseline
▲ 0.50% · 4.625%
HK$111,613
+HK$6,402/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$210,422/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,140
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,094
−HK$2,996/mo
Today · 4.125%
HK$116,090
baseline
▲ 0.50% · 4.625%
HK$122,210
+HK$6,120/mo
Deposit HK$14.47M · loan HK$21.71M · min. income ≈ HK$232,180/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,503
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,096
−HK$3,651/mo
Today · 4.125%
HK$122,747
baseline
▲ 0.50% · 4.625%
HK$130,215
+HK$7,468/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$245,494/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,496
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,943
−HK$3,496/mo
Today · 4.125%
HK$135,439
baseline
▲ 0.50% · 4.625%
HK$142,578
+HK$7,139/mo
Deposit HK$10.85M · loan HK$25.33M · min. income ≈ HK$270,878/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,504
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,124
−HK$4,693/mo
Today · 4.125%
HK$157,817
baseline
▲ 0.50% · 4.625%
HK$167,420
+HK$9,603/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$315,634/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,210
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,640
−HK$4,495/mo
Today · 4.125%
HK$174,135
baseline
▲ 0.50% · 4.625%
HK$183,314
+HK$9,179/mo
Deposit HK$3.62M · loan HK$32.56M · min. income ≈ HK$348,270/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,537,702 · Scale 2, in force from 26 Feb 2026)