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$82,258
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,817
−HK$2,600/mo
Today · 4.125%
HK$87,417
baseline
▲ 0.50% · 4.625%
HK$92,736
+HK$5,319/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,834/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,511
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,966
−HK$2,490/mo
Today · 4.125%
HK$96,456
baseline
▲ 0.50% · 4.625%
HK$101,540
+HK$5,084/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,912/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,780
−HK$3,120/mo
Today · 4.125%
HK$104,900
baseline
▲ 0.50% · 4.625%
HK$111,283
+HK$6,383/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$209,800/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,814
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,759
−HK$2,988/mo
Today · 4.125%
HK$115,747
baseline
▲ 0.50% · 4.625%
HK$121,848
+HK$6,101/mo
Deposit HK$14.43M · loan HK$21.64M · min. income ≈ HK$231,494/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,162
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,744
−HK$3,639/mo
Today · 4.125%
HK$122,383
baseline
▲ 0.50% · 4.625%
HK$129,830
+HK$7,447/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$244,766/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,116
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,552
−HK$3,486/mo
Today · 4.125%
HK$135,038
baseline
▲ 0.50% · 4.625%
HK$142,156
+HK$7,118/mo
Deposit HK$10.82M · loan HK$25.25M · min. income ≈ HK$270,076/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,065
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,671
−HK$4,679/mo
Today · 4.125%
HK$157,350
baseline
▲ 0.50% · 4.625%
HK$166,924
+HK$9,574/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$314,700/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,721
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,138
−HK$4,482/mo
Today · 4.125%
HK$173,620
baseline
▲ 0.50% · 4.625%
HK$182,772
+HK$9,152/mo
Deposit HK$3.61M · loan HK$32.47M · min. income ≈ HK$347,240/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,151 · Scale 2, in force from 26 Feb 2026)