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$84,210
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,829
−HK$2,662/mo
Today · 4.125%
HK$89,491
baseline
▲ 0.50% · 4.625%
HK$94,936
+HK$5,445/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$178,982/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,683
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,195
−HK$2,549/mo
Today · 4.125%
HK$98,744
baseline
▲ 0.50% · 4.625%
HK$103,949
+HK$5,205/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,488/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,052
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,195
−HK$3,194/mo
Today · 4.125%
HK$107,389
baseline
▲ 0.50% · 4.625%
HK$113,923
+HK$6,534/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,778/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,419
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,434
−HK$3,059/mo
Today · 4.125%
HK$118,493
baseline
▲ 0.50% · 4.625%
HK$124,739
+HK$6,246/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$236,986/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,894
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,561
−HK$3,726/mo
Today · 4.125%
HK$125,287
baseline
▲ 0.50% · 4.625%
HK$132,910
+HK$7,623/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,574/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,156
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,673
−HK$3,569/mo
Today · 4.125%
HK$138,242
baseline
▲ 0.50% · 4.625%
HK$145,529
+HK$7,287/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,484/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,578
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$156,293
−HK$4,790/mo
Today · 4.125%
HK$161,083
baseline
▲ 0.50% · 4.625%
HK$170,885
+HK$9,802/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,166/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,629
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$173,151
−HK$4,588/mo
Today · 4.125%
HK$177,739
baseline
▲ 0.50% · 4.625%
HK$187,108
+HK$9,369/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,478/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,526 · Scale 2, in force from 26 Feb 2026)