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$82,633
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,203
−HK$2,611/mo
Today · 4.125%
HK$87,814
baseline
▲ 0.50% · 4.625%
HK$93,158
+HK$5,344/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,628/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,928
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,393
−HK$2,501/mo
Today · 4.125%
HK$96,894
baseline
▲ 0.50% · 4.625%
HK$102,002
+HK$5,108/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,788/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,159
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,243
−HK$3,134/mo
Today · 4.125%
HK$105,377
baseline
▲ 0.50% · 4.625%
HK$111,789
+HK$6,412/mo
Deposit HK$14.50M · loan HK$21.74M · min. income ≈ HK$210,754/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,313
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,272
−HK$3,001/mo
Today · 4.125%
HK$116,273
baseline
▲ 0.50% · 4.625%
HK$122,402
+HK$6,129/mo
Deposit HK$14.50M · loan HK$21.74M · min. income ≈ HK$232,546/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,686
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,284
−HK$3,656/mo
Today · 4.125%
HK$122,940
baseline
▲ 0.50% · 4.625%
HK$130,421
+HK$7,481/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$245,880/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,699
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,151
−HK$3,501/mo
Today · 4.125%
HK$135,652
baseline
▲ 0.50% · 4.625%
HK$142,803
+HK$7,151/mo
Deposit HK$10.87M · loan HK$25.37M · min. income ≈ HK$271,304/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,739
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$153,365
−HK$4,701/mo
Today · 4.125%
HK$158,066
baseline
▲ 0.50% · 4.625%
HK$167,684
+HK$9,618/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$316,132/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,470
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$169,908
−HK$4,502/mo
Today · 4.125%
HK$174,410
baseline
▲ 0.50% · 4.625%
HK$183,603
+HK$9,193/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$348,820/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,540,127 · Scale 2, in force from 26 Feb 2026)