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$84,445
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,072
−HK$2,669/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$95,201
+HK$5,460/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,944
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,464
−HK$2,556/mo
Today · 4.125%
HK$99,020
baseline
▲ 0.50% · 4.625%
HK$104,239
+HK$5,219/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,040/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,334
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,486
−HK$3,203/mo
Today · 4.125%
HK$107,689
baseline
▲ 0.50% · 4.625%
HK$114,241
+HK$6,552/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$215,378/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,733
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,757
−HK$3,067/mo
Today · 4.125%
HK$118,824
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$6,263/mo
Deposit HK$14.81M · loan HK$22.22M · min. income ≈ HK$237,648/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,223
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,901
−HK$3,736/mo
Today · 4.125%
HK$125,637
baseline
▲ 0.50% · 4.625%
HK$133,282
+HK$7,645/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,274/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,522
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$135,050
−HK$3,578/mo
Today · 4.125%
HK$138,628
baseline
▲ 0.50% · 4.625%
HK$145,935
+HK$7,307/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,256/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,001
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$156,729
−HK$4,804/mo
Today · 4.125%
HK$161,533
baseline
▲ 0.50% · 4.625%
HK$171,362
+HK$9,829/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$323,066/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,100
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$173,635
−HK$4,601/mo
Today · 4.125%
HK$178,236
baseline
▲ 0.50% · 4.625%
HK$187,631
+HK$9,395/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$356,472/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,912 · Scale 2, in force from 26 Feb 2026)