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$82,422
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,986
−HK$2,605/mo
Today · 4.125%
HK$87,591
baseline
▲ 0.50% · 4.625%
HK$92,920
+HK$5,329/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$175,182/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,694
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,153
−HK$2,495/mo
Today · 4.125%
HK$96,648
baseline
▲ 0.50% · 4.625%
HK$101,742
+HK$5,094/mo
Deposit HK$18.07M · loan HK$18.07M · min. income ≈ HK$193,296/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,906
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,983
−HK$3,126/mo
Today · 4.125%
HK$105,109
baseline
▲ 0.50% · 4.625%
HK$111,504
+HK$6,395/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$210,218/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,032
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,983
−HK$2,994/mo
Today · 4.125%
HK$115,977
baseline
▲ 0.50% · 4.625%
HK$122,090
+HK$6,113/mo
Deposit HK$14.46M · loan HK$21.69M · min. income ≈ HK$231,954/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,391
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,980
−HK$3,647/mo
Today · 4.125%
HK$122,627
baseline
▲ 0.50% · 4.625%
HK$130,088
+HK$7,461/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$245,254/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,371
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,814
−HK$3,493/mo
Today · 4.125%
HK$135,307
baseline
▲ 0.50% · 4.625%
HK$142,439
+HK$7,132/mo
Deposit HK$10.84M · loan HK$25.30M · min. income ≈ HK$270,614/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,360
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,974
−HK$4,689/mo
Today · 4.125%
HK$157,663
baseline
▲ 0.50% · 4.625%
HK$167,256
+HK$9,593/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$315,326/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,049
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,475
−HK$4,491/mo
Today · 4.125%
HK$173,966
baseline
▲ 0.50% · 4.625%
HK$183,136
+HK$9,170/mo
Deposit HK$3.61M · loan HK$32.53M · min. income ≈ HK$347,932/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,536,203 · Scale 2, in force from 26 Feb 2026)