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$84,585
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,216
−HK$2,673/mo
Today · 4.125%
HK$89,889
baseline
▲ 0.50% · 4.625%
HK$95,358
+HK$5,469/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,778/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,100
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,623
−HK$2,560/mo
Today · 4.125%
HK$99,183
baseline
▲ 0.50% · 4.625%
HK$104,412
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,366/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,502
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,659
−HK$3,208/mo
Today · 4.125%
HK$107,867
baseline
▲ 0.50% · 4.625%
HK$114,430
+HK$6,563/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,734/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,919
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,948
−HK$3,072/mo
Today · 4.125%
HK$119,020
baseline
▲ 0.50% · 4.625%
HK$125,294
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,040/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,419
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,102
−HK$3,742/mo
Today · 4.125%
HK$125,844
baseline
▲ 0.50% · 4.625%
HK$133,502
+HK$7,658/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,688/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,739
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,273
−HK$3,584/mo
Today · 4.125%
HK$138,857
baseline
▲ 0.50% · 4.625%
HK$146,176
+HK$7,319/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,714/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,252
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$156,988
−HK$4,812/mo
Today · 4.125%
HK$161,800
baseline
▲ 0.50% · 4.625%
HK$171,645
+HK$9,845/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,600/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,379
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$173,922
−HK$4,608/mo
Today · 4.125%
HK$178,530
baseline
▲ 0.50% · 4.625%
HK$187,941
+HK$9,411/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$357,060/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,511 · Scale 2, in force from 26 Feb 2026)