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$82,172
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,728
−HK$2,597/mo
Today · 4.125%
HK$87,325
baseline
▲ 0.50% · 4.625%
HK$92,638
+HK$5,313/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$174,650/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,415
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,867
−HK$2,487/mo
Today · 4.125%
HK$96,354
baseline
▲ 0.50% · 4.625%
HK$101,433
+HK$5,079/mo
Deposit HK$18.02M · loan HK$18.02M · min. income ≈ HK$192,708/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,606
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,673
−HK$3,117/mo
Today · 4.125%
HK$104,790
baseline
▲ 0.50% · 4.625%
HK$111,166
+HK$6,376/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$209,580/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,698
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,640
−HK$2,985/mo
Today · 4.125%
HK$115,625
baseline
▲ 0.50% · 4.625%
HK$121,720
+HK$6,095/mo
Deposit HK$14.41M · loan HK$21.62M · min. income ≈ HK$231,250/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,041
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,619
−HK$3,636/mo
Today · 4.125%
HK$122,255
baseline
▲ 0.50% · 4.625%
HK$129,693
+HK$7,438/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$244,510/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,981
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,414
−HK$3,482/mo
Today · 4.125%
HK$134,896
baseline
▲ 0.50% · 4.625%
HK$142,006
+HK$7,110/mo
Deposit HK$10.81M · loan HK$25.23M · min. income ≈ HK$269,792/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,909
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$152,510
−HK$4,674/mo
Today · 4.125%
HK$157,184
baseline
▲ 0.50% · 4.625%
HK$166,749
+HK$9,565/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$314,368/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,548
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$168,961
−HK$4,477/mo
Today · 4.125%
HK$173,438
baseline
▲ 0.50% · 4.625%
HK$182,580
+HK$9,142/mo
Deposit HK$3.60M · loan HK$32.43M · min. income ≈ HK$346,876/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,531,539 · Scale 2, in force from 26 Feb 2026)