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$84,146
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,763
−HK$2,659/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,863
+HK$5,441/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,844/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,611
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,122
−HK$2,547/mo
Today · 4.125%
HK$98,669
baseline
▲ 0.50% · 4.625%
HK$103,870
+HK$5,201/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,338/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,975
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,116
−HK$3,191/mo
Today · 4.125%
HK$107,307
baseline
▲ 0.50% · 4.625%
HK$113,836
+HK$6,529/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$214,614/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,333
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,346
−HK$3,056/mo
Today · 4.125%
HK$118,402
baseline
▲ 0.50% · 4.625%
HK$124,644
+HK$6,242/mo
Deposit HK$14.76M · loan HK$22.14M · min. income ≈ HK$236,804/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,804
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,468
−HK$3,723/mo
Today · 4.125%
HK$125,191
baseline
▲ 0.50% · 4.625%
HK$132,809
+HK$7,618/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$250,382/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,056
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,571
−HK$3,565/mo
Today · 4.125%
HK$138,136
baseline
▲ 0.50% · 4.625%
HK$145,418
+HK$7,282/mo
Deposit HK$11.07M · loan HK$25.83M · min. income ≈ HK$276,272/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,462
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,174
−HK$4,786/mo
Today · 4.125%
HK$160,960
baseline
▲ 0.50% · 4.625%
HK$170,754
+HK$9,794/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$321,920/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,500
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,019
−HK$4,585/mo
Today · 4.125%
HK$177,604
baseline
▲ 0.50% · 4.625%
HK$186,965
+HK$9,361/mo
Deposit HK$3.69M · loan HK$33.21M · min. income ≈ HK$355,208/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,329 · Scale 2, in force from 26 Feb 2026)