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$82,677
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,249
−HK$2,612/mo
Today · 4.125%
HK$87,861
baseline
▲ 0.50% · 4.625%
HK$93,208
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,722/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,977
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,444
−HK$2,502/mo
Today · 4.125%
HK$96,946
baseline
▲ 0.50% · 4.625%
HK$102,057
+HK$5,111/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,892/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,212
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,298
−HK$3,136/mo
Today · 4.125%
HK$105,434
baseline
▲ 0.50% · 4.625%
HK$111,849
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,868/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,373
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,333
−HK$3,003/mo
Today · 4.125%
HK$116,336
baseline
▲ 0.50% · 4.625%
HK$122,468
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,672/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,748
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,348
−HK$3,658/mo
Today · 4.125%
HK$123,006
baseline
▲ 0.50% · 4.625%
HK$130,491
+HK$7,485/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,012/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,768
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,222
−HK$3,503/mo
Today · 4.125%
HK$135,725
baseline
▲ 0.50% · 4.625%
HK$142,879
+HK$7,154/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,450/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,818
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,448
−HK$4,703/mo
Today · 4.125%
HK$158,151
baseline
▲ 0.50% · 4.625%
HK$167,774
+HK$9,623/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,302/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,559
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$169,999
−HK$4,505/mo
Today · 4.125%
HK$174,504
baseline
▲ 0.50% · 4.625%
HK$183,702
+HK$9,198/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$349,008/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,954 · Scale 2, in force from 26 Feb 2026)