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$84,480
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,108
−HK$2,670/mo
Today · 4.125%
HK$89,778
baseline
▲ 0.50% · 4.625%
HK$95,241
+HK$5,463/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,556/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,984
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,504
−HK$2,557/mo
Today · 4.125%
HK$99,061
baseline
▲ 0.50% · 4.625%
HK$104,283
+HK$5,222/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,122/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,377
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,530
−HK$3,204/mo
Today · 4.125%
HK$107,734
baseline
▲ 0.50% · 4.625%
HK$114,289
+HK$6,555/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$215,468/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,780
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,805
−HK$3,069/mo
Today · 4.125%
HK$118,874
baseline
▲ 0.50% · 4.625%
HK$125,140
+HK$6,266/mo
Deposit HK$14.82M · loan HK$22.23M · min. income ≈ HK$237,748/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,273
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,952
−HK$3,737/mo
Today · 4.125%
HK$125,689
baseline
▲ 0.50% · 4.625%
HK$133,337
+HK$7,648/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,378/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,577
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,106
−HK$3,580/mo
Today · 4.125%
HK$138,686
baseline
▲ 0.50% · 4.625%
HK$145,996
+HK$7,310/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,372/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,065
−HK$9,536/mo
▼ 0.25% · 3.875%
HK$156,795
−HK$4,806/mo
Today · 4.125%
HK$161,601
baseline
▲ 0.50% · 4.625%
HK$171,434
+HK$9,833/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$323,202/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,171
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,708
−HK$4,602/mo
Today · 4.125%
HK$178,310
baseline
▲ 0.50% · 4.625%
HK$187,709
+HK$9,399/mo
Deposit HK$3.70M · loan HK$33.34M · min. income ≈ HK$356,620/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,569 · Scale 2, in force from 26 Feb 2026)