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$84,337
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,960
−HK$2,666/mo
Today · 4.125%
HK$89,626
baseline
▲ 0.50% · 4.625%
HK$95,079
+HK$5,453/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,252/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,824
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,340
−HK$2,553/mo
Today · 4.125%
HK$98,893
baseline
▲ 0.50% · 4.625%
HK$104,106
+HK$5,213/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,786/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,204
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,352
−HK$3,199/mo
Today · 4.125%
HK$107,551
baseline
▲ 0.50% · 4.625%
HK$114,095
+HK$6,544/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,102/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,589
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$115,609
−HK$3,063/mo
Today · 4.125%
HK$118,672
baseline
▲ 0.50% · 4.625%
HK$124,927
+HK$6,255/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,344/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,072
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$121,745
−HK$3,731/mo
Today · 4.125%
HK$125,476
baseline
▲ 0.50% · 4.625%
HK$133,111
+HK$7,635/mo
Deposit HK$11.10M · loan HK$25.89M · min. income ≈ HK$250,952/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,354
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,877
−HK$3,573/mo
Today · 4.125%
HK$138,450
baseline
▲ 0.50% · 4.625%
HK$145,748
+HK$7,298/mo
Deposit HK$11.10M · loan HK$25.89M · min. income ≈ HK$276,900/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,807
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,529
−HK$4,797/mo
Today · 4.125%
HK$161,326
baseline
▲ 0.50% · 4.625%
HK$171,143
+HK$9,817/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$322,652/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,883
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$173,413
−HK$4,595/mo
Today · 4.125%
HK$178,008
baseline
▲ 0.50% · 4.625%
HK$187,391
+HK$9,383/mo
Deposit HK$3.70M · loan HK$33.29M · min. income ≈ HK$356,016/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,896 · Scale 2, in force from 26 Feb 2026)