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$84,321
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,944
−HK$2,665/mo
Today · 4.125%
HK$89,609
baseline
▲ 0.50% · 4.625%
HK$95,062
+HK$5,453/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,218/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,807
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,322
−HK$2,553/mo
Today · 4.125%
HK$98,875
baseline
▲ 0.50% · 4.625%
HK$104,087
+HK$5,212/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,750/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,186
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,333
−HK$3,198/mo
Today · 4.125%
HK$107,531
baseline
▲ 0.50% · 4.625%
HK$114,074
+HK$6,543/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,062/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,568
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,587
−HK$3,063/mo
Today · 4.125%
HK$118,650
baseline
▲ 0.50% · 4.625%
HK$124,904
+HK$6,254/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,300/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,050
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,722
−HK$3,731/mo
Today · 4.125%
HK$125,453
baseline
▲ 0.50% · 4.625%
HK$133,086
+HK$7,633/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$250,906/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,329
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,851
−HK$3,574/mo
Today · 4.125%
HK$138,425
baseline
▲ 0.50% · 4.625%
HK$145,721
+HK$7,296/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$276,850/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,778
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,500
−HK$4,796/mo
Today · 4.125%
HK$161,296
baseline
▲ 0.50% · 4.625%
HK$171,111
+HK$9,815/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,592/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,852
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,380
−HK$4,594/mo
Today · 4.125%
HK$177,974
baseline
▲ 0.50% · 4.625%
HK$187,356
+HK$9,382/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,948/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,603 · Scale 2, in force from 26 Feb 2026)