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$84,105
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,721
−HK$2,658/mo
Today · 4.125%
HK$89,379
baseline
▲ 0.50% · 4.625%
HK$94,817
+HK$5,438/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,758/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,566
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,075
−HK$2,546/mo
Today · 4.125%
HK$98,621
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,198/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,242/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,926
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,065
−HK$3,190/mo
Today · 4.125%
HK$107,255
baseline
▲ 0.50% · 4.625%
HK$113,781
+HK$6,526/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,510/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,279
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,290
−HK$3,055/mo
Today · 4.125%
HK$118,345
baseline
▲ 0.50% · 4.625%
HK$124,583
+HK$6,238/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,690/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,747
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,409
−HK$3,722/mo
Today · 4.125%
HK$125,131
baseline
▲ 0.50% · 4.625%
HK$132,744
+HK$7,613/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,262/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,992
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,505
−HK$3,564/mo
Today · 4.125%
HK$138,069
baseline
▲ 0.50% · 4.625%
HK$145,347
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,138/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,389
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$156,098
−HK$4,784/mo
Today · 4.125%
HK$160,882
baseline
▲ 0.50% · 4.625%
HK$170,671
+HK$9,789/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,764/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,418
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,935
−HK$4,583/mo
Today · 4.125%
HK$177,518
baseline
▲ 0.50% · 4.625%
HK$186,875
+HK$9,357/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,036/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,568 · Scale 2, in force from 26 Feb 2026)