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$82,130
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,684
−HK$2,596/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$92,591
+HK$5,311/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,368
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,486/mo
Today · 4.125%
HK$96,305
baseline
▲ 0.50% · 4.625%
HK$101,381
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,610/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,556
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,621
−HK$3,115/mo
Today · 4.125%
HK$104,736
baseline
▲ 0.50% · 4.625%
HK$111,109
+HK$6,373/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$209,472/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,642
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,583
−HK$2,983/mo
Today · 4.125%
HK$115,566
baseline
▲ 0.50% · 4.625%
HK$121,657
+HK$6,091/mo
Deposit HK$14.41M · loan HK$21.61M · min. income ≈ HK$231,132/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,981
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,558
−HK$3,634/mo
Today · 4.125%
HK$122,192
baseline
▲ 0.50% · 4.625%
HK$129,627
+HK$7,435/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$244,384/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,916
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,346
−HK$3,481/mo
Today · 4.125%
HK$134,827
baseline
▲ 0.50% · 4.625%
HK$141,934
+HK$7,107/mo
Deposit HK$10.81M · loan HK$25.21M · min. income ≈ HK$269,654/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,833
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$152,432
−HK$4,672/mo
Today · 4.125%
HK$157,104
baseline
▲ 0.50% · 4.625%
HK$166,663
+HK$9,559/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$314,208/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,463
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,874
−HK$4,475/mo
Today · 4.125%
HK$173,349
baseline
▲ 0.50% · 4.625%
HK$182,486
+HK$9,137/mo
Deposit HK$3.60M · loan HK$32.42M · min. income ≈ HK$346,698/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,754 · Scale 2, in force from 26 Feb 2026)