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$84,413
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,039
−HK$2,667/mo
Today · 4.125%
HK$89,706
baseline
▲ 0.50% · 4.625%
HK$95,165
+HK$5,459/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,412/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,909
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,427
−HK$2,555/mo
Today · 4.125%
HK$98,982
baseline
▲ 0.50% · 4.625%
HK$104,200
+HK$5,218/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,964/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,296
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,446
−HK$3,202/mo
Today · 4.125%
HK$107,648
baseline
▲ 0.50% · 4.625%
HK$114,198
+HK$6,550/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,296/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,690
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,713
−HK$3,066/mo
Today · 4.125%
HK$118,779
baseline
▲ 0.50% · 4.625%
HK$125,040
+HK$6,261/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,558/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,178
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,854
−HK$3,735/mo
Today · 4.125%
HK$125,589
baseline
▲ 0.50% · 4.625%
HK$133,231
+HK$7,642/mo
Deposit HK$11.11M · loan HK$25.91M · min. income ≈ HK$251,178/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,472
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$134,998
−HK$3,577/mo
Today · 4.125%
HK$138,575
baseline
▲ 0.50% · 4.625%
HK$145,879
+HK$7,304/mo
Deposit HK$11.11M · loan HK$25.91M · min. income ≈ HK$277,150/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,943
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$156,670
−HK$4,801/mo
Today · 4.125%
HK$161,471
baseline
▲ 0.50% · 4.625%
HK$171,297
+HK$9,826/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$322,942/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,035
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$173,569
−HK$4,599/mo
Today · 4.125%
HK$178,168
baseline
▲ 0.50% · 4.625%
HK$187,559
+HK$9,391/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$356,336/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,311 · Scale 2, in force from 26 Feb 2026)