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$84,404
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,029
−HK$2,668/mo
Today · 4.125%
HK$89,697
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$5,458/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,394/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,898
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,417
−HK$2,555/mo
Today · 4.125%
HK$98,972
baseline
▲ 0.50% · 4.625%
HK$104,188
+HK$5,216/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,944/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,285
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,435
−HK$3,201/mo
Today · 4.125%
HK$107,636
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$6,550/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,272/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,678
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,700
−HK$3,066/mo
Today · 4.125%
HK$118,766
baseline
▲ 0.50% · 4.625%
HK$125,026
+HK$6,260/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,532/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,165
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$121,841
−HK$3,734/mo
Today · 4.125%
HK$125,575
baseline
▲ 0.50% · 4.625%
HK$133,216
+HK$7,641/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$251,150/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,458
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,984
−HK$3,576/mo
Today · 4.125%
HK$138,560
baseline
▲ 0.50% · 4.625%
HK$145,864
+HK$7,304/mo
Deposit HK$11.10M · loan HK$25.91M · min. income ≈ HK$277,120/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,927
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$156,653
−HK$4,801/mo
Today · 4.125%
HK$161,454
baseline
▲ 0.50% · 4.625%
HK$171,278
+HK$9,824/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$322,908/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,017
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$173,550
−HK$4,599/mo
Today · 4.125%
HK$178,149
baseline
▲ 0.50% · 4.625%
HK$187,539
+HK$9,390/mo
Deposit HK$3.70M · loan HK$33.31M · min. income ≈ HK$356,298/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,573,142 · Scale 2, in force from 26 Feb 2026)