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$84,169
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,787
−HK$2,660/mo
Today · 4.125%
HK$89,447
baseline
▲ 0.50% · 4.625%
HK$94,890
+HK$5,443/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,894/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,637
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,148
−HK$2,548/mo
Today · 4.125%
HK$98,696
baseline
▲ 0.50% · 4.625%
HK$103,898
+HK$5,202/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,392/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,003
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,144
−HK$3,192/mo
Today · 4.125%
HK$107,336
baseline
▲ 0.50% · 4.625%
HK$113,868
+HK$6,532/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$214,672/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,364
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,378
−HK$3,057/mo
Today · 4.125%
HK$118,435
baseline
▲ 0.50% · 4.625%
HK$124,678
+HK$6,243/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$236,870/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,836
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,502
−HK$3,724/mo
Today · 4.125%
HK$125,226
baseline
▲ 0.50% · 4.625%
HK$132,845
+HK$7,619/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$250,452/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,092
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,608
−HK$3,566/mo
Today · 4.125%
HK$138,174
baseline
▲ 0.50% · 4.625%
HK$145,458
+HK$7,284/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$276,348/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,504
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$156,217
−HK$4,788/mo
Today · 4.125%
HK$161,005
baseline
▲ 0.50% · 4.625%
HK$170,801
+HK$9,796/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$322,010/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,547
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$173,067
−HK$4,586/mo
Today · 4.125%
HK$177,653
baseline
▲ 0.50% · 4.625%
HK$187,017
+HK$9,364/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$355,306/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,760 · Scale 2, in force from 26 Feb 2026)