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$82,691
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,263
−HK$2,613/mo
Today · 4.125%
HK$87,876
baseline
▲ 0.50% · 4.625%
HK$93,223
+HK$5,347/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,752/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,993
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,460
−HK$2,503/mo
Today · 4.125%
HK$96,963
baseline
▲ 0.50% · 4.625%
HK$102,074
+HK$5,111/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,926/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,229
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,316
−HK$3,136/mo
Today · 4.125%
HK$105,452
baseline
▲ 0.50% · 4.625%
HK$111,868
+HK$6,416/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$210,904/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,391
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,352
−HK$3,003/mo
Today · 4.125%
HK$116,355
baseline
▲ 0.50% · 4.625%
HK$122,489
+HK$6,134/mo
Deposit HK$14.51M · loan HK$21.76M · min. income ≈ HK$232,710/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,767
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,368
−HK$3,659/mo
Today · 4.125%
HK$123,027
baseline
▲ 0.50% · 4.625%
HK$130,513
+HK$7,486/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$246,054/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,790
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,244
−HK$3,504/mo
Today · 4.125%
HK$135,748
baseline
▲ 0.50% · 4.625%
HK$142,904
+HK$7,156/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,496/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,844
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,474
−HK$4,703/mo
Today · 4.125%
HK$158,177
baseline
▲ 0.50% · 4.625%
HK$167,802
+HK$9,625/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$316,354/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,587
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$170,028
−HK$4,505/mo
Today · 4.125%
HK$174,533
baseline
▲ 0.50% · 4.625%
HK$183,733
+HK$9,200/mo
Deposit HK$3.63M · loan HK$32.64M · min. income ≈ HK$349,066/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,541,215 · Scale 2, in force from 26 Feb 2026)