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$84,264
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,885
−HK$2,663/mo
Today · 4.125%
HK$89,548
baseline
▲ 0.50% · 4.625%
HK$94,997
+HK$5,449/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$179,096/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,743
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,257
−HK$2,551/mo
Today · 4.125%
HK$98,808
baseline
▲ 0.50% · 4.625%
HK$104,016
+HK$5,208/mo
Deposit HK$18.48M · loan HK$18.48M · min. income ≈ HK$197,616/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,117
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,263
−HK$3,195/mo
Today · 4.125%
HK$107,458
baseline
▲ 0.50% · 4.625%
HK$113,997
+HK$6,539/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$214,916/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,492
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,509
−HK$3,060/mo
Today · 4.125%
HK$118,569
baseline
▲ 0.50% · 4.625%
HK$124,819
+HK$6,250/mo
Deposit HK$14.78M · loan HK$22.17M · min. income ≈ HK$237,138/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,970
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$121,640
−HK$3,728/mo
Today · 4.125%
HK$125,368
baseline
▲ 0.50% · 4.625%
HK$132,996
+HK$7,628/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$250,736/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,241
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$134,760
−HK$3,571/mo
Today · 4.125%
HK$138,331
baseline
▲ 0.50% · 4.625%
HK$145,623
+HK$7,292/mo
Deposit HK$11.09M · loan HK$25.87M · min. income ≈ HK$276,662/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,676
−HK$9,511/mo
▼ 0.25% · 3.875%
HK$156,394
−HK$4,793/mo
Today · 4.125%
HK$161,187
baseline
▲ 0.50% · 4.625%
HK$170,995
+HK$9,808/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$322,374/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,738
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$173,263
−HK$4,591/mo
Today · 4.125%
HK$177,854
baseline
▲ 0.50% · 4.625%
HK$187,229
+HK$9,375/mo
Deposit HK$3.70M · loan HK$33.26M · min. income ≈ HK$355,708/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,570,541 · Scale 2, in force from 26 Feb 2026)