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$84,040
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,654
−HK$2,656/mo
Today · 4.125%
HK$89,310
baseline
▲ 0.50% · 4.625%
HK$94,745
+HK$5,435/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$178,620/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,494
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,001
−HK$2,544/mo
Today · 4.125%
HK$98,545
baseline
▲ 0.50% · 4.625%
HK$103,740
+HK$5,195/mo
Deposit HK$18.43M · loan HK$18.43M · min. income ≈ HK$197,090/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,848
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,985
−HK$3,187/mo
Today · 4.125%
HK$107,172
baseline
▲ 0.50% · 4.625%
HK$113,694
+HK$6,522/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$214,344/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,193
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,202
−HK$3,052/mo
Today · 4.125%
HK$118,254
baseline
▲ 0.50% · 4.625%
HK$124,487
+HK$6,233/mo
Deposit HK$14.74M · loan HK$22.11M · min. income ≈ HK$236,508/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,656
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,316
−HK$3,718/mo
Today · 4.125%
HK$125,034
baseline
▲ 0.50% · 4.625%
HK$132,642
+HK$7,608/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$250,068/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,891
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,402
−HK$3,561/mo
Today · 4.125%
HK$137,963
baseline
▲ 0.50% · 4.625%
HK$145,235
+HK$7,272/mo
Deposit HK$11.06M · loan HK$25.80M · min. income ≈ HK$275,926/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,272
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$155,978
−HK$4,781/mo
Today · 4.125%
HK$160,759
baseline
▲ 0.50% · 4.625%
HK$170,540
+HK$9,781/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$321,518/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,289
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,802
−HK$4,579/mo
Today · 4.125%
HK$177,381
baseline
▲ 0.50% · 4.625%
HK$186,731
+HK$9,350/mo
Deposit HK$3.69M · loan HK$33.17M · min. income ≈ HK$354,762/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,566,364 · Scale 2, in force from 26 Feb 2026)