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$84,175
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,793
−HK$2,660/mo
Today · 4.125%
HK$89,453
baseline
▲ 0.50% · 4.625%
HK$94,896
+HK$5,443/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$178,906/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,643
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,155
−HK$2,548/mo
Today · 4.125%
HK$98,703
baseline
▲ 0.50% · 4.625%
HK$103,905
+HK$5,202/mo
Deposit HK$18.46M · loan HK$18.46M · min. income ≈ HK$197,406/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,010
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,152
−HK$3,192/mo
Today · 4.125%
HK$107,344
baseline
▲ 0.50% · 4.625%
HK$113,875
+HK$6,531/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$214,688/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,372
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,386
−HK$3,057/mo
Today · 4.125%
HK$118,443
baseline
▲ 0.50% · 4.625%
HK$124,687
+HK$6,244/mo
Deposit HK$14.77M · loan HK$22.15M · min. income ≈ HK$236,886/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,845
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,510
−HK$3,724/mo
Today · 4.125%
HK$125,234
baseline
▲ 0.50% · 4.625%
HK$132,855
+HK$7,621/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$250,468/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,101
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,617
−HK$3,567/mo
Today · 4.125%
HK$138,184
baseline
▲ 0.50% · 4.625%
HK$145,468
+HK$7,284/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$276,368/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,514
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,227
−HK$4,789/mo
Today · 4.125%
HK$161,016
baseline
▲ 0.50% · 4.625%
HK$170,813
+HK$9,797/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$322,032/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,558
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$173,079
−HK$4,586/mo
Today · 4.125%
HK$177,665
baseline
▲ 0.50% · 4.625%
HK$187,030
+HK$9,365/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$355,330/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,869 · Scale 2, in force from 26 Feb 2026)