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$84,574
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,205
−HK$2,673/mo
Today · 4.125%
HK$89,878
baseline
▲ 0.50% · 4.625%
HK$95,347
+HK$5,469/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$179,756/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,088
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,612
−HK$2,559/mo
Today · 4.125%
HK$99,171
baseline
▲ 0.50% · 4.625%
HK$104,399
+HK$5,228/mo
Deposit HK$18.54M · loan HK$18.54M · min. income ≈ HK$198,342/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,489
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,646
−HK$3,208/mo
Today · 4.125%
HK$107,854
baseline
▲ 0.50% · 4.625%
HK$114,416
+HK$6,562/mo
Deposit HK$14.84M · loan HK$22.25M · min. income ≈ HK$215,708/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,906
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,934
−HK$3,072/mo
Today · 4.125%
HK$119,006
baseline
▲ 0.50% · 4.625%
HK$125,279
+HK$6,273/mo
Deposit HK$14.84M · loan HK$22.25M · min. income ≈ HK$238,012/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,404
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,087
−HK$3,742/mo
Today · 4.125%
HK$125,829
baseline
▲ 0.50% · 4.625%
HK$133,486
+HK$7,657/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$251,658/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,723
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,256
−HK$3,584/mo
Today · 4.125%
HK$138,840
baseline
▲ 0.50% · 4.625%
HK$146,158
+HK$7,318/mo
Deposit HK$11.13M · loan HK$25.96M · min. income ≈ HK$277,680/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,234
−HK$9,546/mo
▼ 0.25% · 3.875%
HK$156,969
−HK$4,811/mo
Today · 4.125%
HK$161,780
baseline
▲ 0.50% · 4.625%
HK$171,624
+HK$9,844/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$323,560/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,359
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,901
−HK$4,608/mo
Today · 4.125%
HK$178,509
baseline
▲ 0.50% · 4.625%
HK$187,918
+HK$9,409/mo
Deposit HK$3.71M · loan HK$33.38M · min. income ≈ HK$357,018/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,319 · Scale 2, in force from 26 Feb 2026)