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$83,969
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,581
−HK$2,654/mo
Today · 4.125%
HK$89,235
baseline
▲ 0.50% · 4.625%
HK$94,665
+HK$5,430/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,470/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,415
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,921
−HK$2,541/mo
Today · 4.125%
HK$98,462
baseline
▲ 0.50% · 4.625%
HK$103,652
+HK$5,190/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,924/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,763
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,898
−HK$3,184/mo
Today · 4.125%
HK$107,082
baseline
▲ 0.50% · 4.625%
HK$113,598
+HK$6,516/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,164/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,098
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,105
−HK$3,050/mo
Today · 4.125%
HK$118,155
baseline
▲ 0.50% · 4.625%
HK$124,383
+HK$6,228/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,310/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,557
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,214
−HK$3,715/mo
Today · 4.125%
HK$124,929
baseline
▲ 0.50% · 4.625%
HK$132,531
+HK$7,602/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,858/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,781
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,289
−HK$3,558/mo
Today · 4.125%
HK$137,847
baseline
▲ 0.50% · 4.625%
HK$145,113
+HK$7,266/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,694/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,145
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$155,846
−HK$4,777/mo
Today · 4.125%
HK$160,623
baseline
▲ 0.50% · 4.625%
HK$170,397
+HK$9,774/mo
Deposit HK$3.68M · loan HK$33.14M · min. income ≈ HK$321,246/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,147
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$172,657
−HK$4,575/mo
Today · 4.125%
HK$177,232
baseline
▲ 0.50% · 4.625%
HK$186,574
+HK$9,342/mo
Deposit HK$3.68M · loan HK$33.14M · min. income ≈ HK$354,464/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,044 · Scale 2, in force from 26 Feb 2026)