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$84,049
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,664
−HK$2,656/mo
Today · 4.125%
HK$89,320
baseline
▲ 0.50% · 4.625%
HK$94,755
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,640/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,504
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,012
−HK$2,544/mo
Today · 4.125%
HK$98,556
baseline
▲ 0.50% · 4.625%
HK$103,751
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,112/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,859
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$103,996
−HK$3,188/mo
Today · 4.125%
HK$107,184
baseline
▲ 0.50% · 4.625%
HK$113,706
+HK$6,522/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$214,368/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,205
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,214
−HK$3,053/mo
Today · 4.125%
HK$118,267
baseline
▲ 0.50% · 4.625%
HK$124,501
+HK$6,234/mo
Deposit HK$14.74M · loan HK$22.12M · min. income ≈ HK$236,534/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,669
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,329
−HK$3,719/mo
Today · 4.125%
HK$125,048
baseline
▲ 0.50% · 4.625%
HK$132,657
+HK$7,609/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,096/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,905
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,416
−HK$3,562/mo
Today · 4.125%
HK$137,978
baseline
▲ 0.50% · 4.625%
HK$145,251
+HK$7,273/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,956/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,288
−HK$9,488/mo
▼ 0.25% · 3.875%
HK$155,994
−HK$4,782/mo
Today · 4.125%
HK$160,776
baseline
▲ 0.50% · 4.625%
HK$170,558
+HK$9,782/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,552/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,307
−HK$9,093/mo
▼ 0.25% · 3.875%
HK$172,821
−HK$4,579/mo
Today · 4.125%
HK$177,400
baseline
▲ 0.50% · 4.625%
HK$186,751
+HK$9,351/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,800/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,530 · Scale 2, in force from 26 Feb 2026)