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$84,506
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,134
−HK$2,671/mo
Today · 4.125%
HK$89,805
baseline
▲ 0.50% · 4.625%
HK$95,269
+HK$5,464/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$179,610/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,012
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,533
−HK$2,558/mo
Today · 4.125%
HK$99,091
baseline
▲ 0.50% · 4.625%
HK$104,314
+HK$5,223/mo
Deposit HK$18.53M · loan HK$18.53M · min. income ≈ HK$198,182/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,407
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,561
−HK$3,205/mo
Today · 4.125%
HK$107,766
baseline
▲ 0.50% · 4.625%
HK$114,323
+HK$6,557/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$215,532/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,814
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,840
−HK$3,069/mo
Today · 4.125%
HK$118,909
baseline
▲ 0.50% · 4.625%
HK$125,177
+HK$6,268/mo
Deposit HK$14.82M · loan HK$22.24M · min. income ≈ HK$237,818/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,308
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,988
−HK$3,739/mo
Today · 4.125%
HK$125,727
baseline
▲ 0.50% · 4.625%
HK$133,377
+HK$7,650/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$251,454/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,616
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,146
−HK$3,581/mo
Today · 4.125%
HK$138,727
baseline
▲ 0.50% · 4.625%
HK$146,040
+HK$7,313/mo
Deposit HK$11.12M · loan HK$25.94M · min. income ≈ HK$277,454/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,110
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,842
−HK$4,807/mo
Today · 4.125%
HK$161,649
baseline
▲ 0.50% · 4.625%
HK$171,485
+HK$9,836/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$323,298/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,221
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,760
−HK$4,604/mo
Today · 4.125%
HK$178,364
baseline
▲ 0.50% · 4.625%
HK$187,765
+HK$9,401/mo
Deposit HK$3.71M · loan HK$33.35M · min. income ≈ HK$356,728/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,575,039 · Scale 2, in force from 26 Feb 2026)