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$82,216
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,598/mo
Today · 4.125%
HK$87,372
baseline
▲ 0.50% · 4.625%
HK$92,688
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,744/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,465
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,918
−HK$2,488/mo
Today · 4.125%
HK$96,406
baseline
▲ 0.50% · 4.625%
HK$101,488
+HK$5,082/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,812/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,659
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,728
−HK$3,118/mo
Today · 4.125%
HK$104,846
baseline
▲ 0.50% · 4.625%
HK$111,226
+HK$6,380/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,692/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,758
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,701
−HK$2,987/mo
Today · 4.125%
HK$115,688
baseline
▲ 0.50% · 4.625%
HK$121,786
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,376/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,103
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,683
−HK$3,638/mo
Today · 4.125%
HK$122,321
baseline
▲ 0.50% · 4.625%
HK$129,764
+HK$7,443/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,642/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,051
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,485
−HK$3,484/mo
Today · 4.125%
HK$134,969
baseline
▲ 0.50% · 4.625%
HK$142,083
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,938/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,989
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,593
−HK$4,676/mo
Today · 4.125%
HK$157,269
baseline
▲ 0.50% · 4.625%
HK$166,839
+HK$9,570/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,538/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,637
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,052
−HK$4,479/mo
Today · 4.125%
HK$173,531
baseline
▲ 0.50% · 4.625%
HK$182,678
+HK$9,147/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,062/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,368 · Scale 2, in force from 26 Feb 2026)