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$83,992
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,605
−HK$2,654/mo
Today · 4.125%
HK$89,259
baseline
▲ 0.50% · 4.625%
HK$94,690
+HK$5,431/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$178,518/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,440
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,946
−HK$2,543/mo
Today · 4.125%
HK$98,489
baseline
▲ 0.50% · 4.625%
HK$103,680
+HK$5,191/mo
Deposit HK$18.42M · loan HK$18.42M · min. income ≈ HK$196,978/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,790
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,926
−HK$3,185/mo
Today · 4.125%
HK$107,111
baseline
▲ 0.50% · 4.625%
HK$113,628
+HK$6,517/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$214,222/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,128
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,136
−HK$3,050/mo
Today · 4.125%
HK$118,186
baseline
▲ 0.50% · 4.625%
HK$124,416
+HK$6,230/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$236,372/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,589
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,246
−HK$3,717/mo
Today · 4.125%
HK$124,963
baseline
▲ 0.50% · 4.625%
HK$132,566
+HK$7,603/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,926/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,816
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,325
−HK$3,559/mo
Today · 4.125%
HK$137,884
baseline
▲ 0.50% · 4.625%
HK$145,152
+HK$7,268/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,768/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,186
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$155,888
−HK$4,778/mo
Today · 4.125%
HK$160,666
baseline
▲ 0.50% · 4.625%
HK$170,442
+HK$9,776/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$321,332/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,192
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$172,703
−HK$4,576/mo
Today · 4.125%
HK$177,279
baseline
▲ 0.50% · 4.625%
HK$186,624
+HK$9,345/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$354,558/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,464 · Scale 2, in force from 26 Feb 2026)