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$84,240
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,860
−HK$2,662/mo
Today · 4.125%
HK$89,522
baseline
▲ 0.50% · 4.625%
HK$94,970
+HK$5,448/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,044/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,716
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,229
−HK$2,550/mo
Today · 4.125%
HK$98,779
baseline
▲ 0.50% · 4.625%
HK$103,986
+HK$5,207/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,558/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,088
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,232
−HK$3,195/mo
Today · 4.125%
HK$107,427
baseline
▲ 0.50% · 4.625%
HK$113,964
+HK$6,537/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,854/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,459
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,475
−HK$3,060/mo
Today · 4.125%
HK$118,535
baseline
▲ 0.50% · 4.625%
HK$124,783
+HK$6,248/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,070/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,936
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,604
−HK$3,727/mo
Today · 4.125%
HK$125,331
baseline
▲ 0.50% · 4.625%
HK$132,957
+HK$7,626/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,662/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,202
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,721
−HK$3,570/mo
Today · 4.125%
HK$138,291
baseline
▲ 0.50% · 4.625%
HK$145,580
+HK$7,289/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,582/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,632
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$156,348
−HK$4,792/mo
Today · 4.125%
HK$161,140
baseline
▲ 0.50% · 4.625%
HK$170,945
+HK$9,805/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$322,280/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,689
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$173,213
−HK$4,589/mo
Today · 4.125%
HK$177,802
baseline
▲ 0.50% · 4.625%
HK$187,175
+HK$9,373/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$355,604/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,570,083 · Scale 2, in force from 26 Feb 2026)