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$84,131
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,748
−HK$2,659/mo
Today · 4.125%
HK$89,407
baseline
▲ 0.50% · 4.625%
HK$94,847
+HK$5,440/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,814/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,595
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,105
−HK$2,547/mo
Today · 4.125%
HK$98,652
baseline
▲ 0.50% · 4.625%
HK$103,852
+HK$5,200/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,304/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,958
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,098
−HK$3,190/mo
Today · 4.125%
HK$107,288
baseline
▲ 0.50% · 4.625%
HK$113,817
+HK$6,529/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,576/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,314
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,326
−HK$3,056/mo
Today · 4.125%
HK$118,382
baseline
▲ 0.50% · 4.625%
HK$124,622
+HK$6,240/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,764/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,784
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,448
−HK$3,722/mo
Today · 4.125%
HK$125,170
baseline
▲ 0.50% · 4.625%
HK$132,786
+HK$7,616/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$250,340/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,033
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,547
−HK$3,566/mo
Today · 4.125%
HK$138,113
baseline
▲ 0.50% · 4.625%
HK$145,393
+HK$7,280/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$276,226/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,436
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,147
−HK$4,786/mo
Today · 4.125%
HK$160,933
baseline
▲ 0.50% · 4.625%
HK$170,725
+HK$9,792/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$321,866/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,471
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,990
−HK$4,583/mo
Today · 4.125%
HK$177,573
baseline
▲ 0.50% · 4.625%
HK$186,933
+HK$9,360/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$355,146/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,060 · Scale 2, in force from 26 Feb 2026)