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$82,116
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,671
−HK$2,595/mo
Today · 4.125%
HK$87,266
baseline
▲ 0.50% · 4.625%
HK$92,576
+HK$5,310/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$174,532/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,354
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,804
−HK$2,485/mo
Today · 4.125%
HK$96,289
baseline
▲ 0.50% · 4.625%
HK$101,365
+HK$5,076/mo
Deposit HK$18.01M · loan HK$18.01M · min. income ≈ HK$192,578/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,540
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,605
−HK$3,114/mo
Today · 4.125%
HK$104,719
baseline
▲ 0.50% · 4.625%
HK$111,091
+HK$6,372/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$209,438/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,624
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,564
−HK$2,983/mo
Today · 4.125%
HK$115,547
baseline
▲ 0.50% · 4.625%
HK$121,638
+HK$6,091/mo
Deposit HK$14.40M · loan HK$21.61M · min. income ≈ HK$231,094/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,963
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,539
−HK$3,633/mo
Today · 4.125%
HK$122,172
baseline
▲ 0.50% · 4.625%
HK$129,606
+HK$7,434/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$244,344/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,895
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,325
−HK$3,480/mo
Today · 4.125%
HK$134,805
baseline
▲ 0.50% · 4.625%
HK$141,910
+HK$7,105/mo
Deposit HK$10.80M · loan HK$25.21M · min. income ≈ HK$269,610/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,809
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$152,407
−HK$4,671/mo
Today · 4.125%
HK$157,078
baseline
▲ 0.50% · 4.625%
HK$166,636
+HK$9,558/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$314,156/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,436
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$168,846
−HK$4,474/mo
Today · 4.125%
HK$173,320
baseline
▲ 0.50% · 4.625%
HK$182,456
+HK$9,136/mo
Deposit HK$3.60M · loan HK$32.41M · min. income ≈ HK$346,640/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,530,505 · Scale 2, in force from 26 Feb 2026)