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$84,318
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,940
−HK$2,665/mo
Today · 4.125%
HK$89,605
baseline
▲ 0.50% · 4.625%
HK$95,057
+HK$5,452/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,210/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,802
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,318
−HK$2,552/mo
Today · 4.125%
HK$98,870
baseline
▲ 0.50% · 4.625%
HK$104,082
+HK$5,212/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,740/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,181
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,328
−HK$3,198/mo
Today · 4.125%
HK$107,526
baseline
▲ 0.50% · 4.625%
HK$114,069
+HK$6,543/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,052/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,563
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,582
−HK$3,062/mo
Today · 4.125%
HK$118,644
baseline
▲ 0.50% · 4.625%
HK$124,898
+HK$6,254/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,288/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,045
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$121,717
−HK$3,730/mo
Today · 4.125%
HK$125,447
baseline
▲ 0.50% · 4.625%
HK$133,080
+HK$7,633/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$250,894/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,323
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,846
−HK$3,572/mo
Today · 4.125%
HK$138,418
baseline
▲ 0.50% · 4.625%
HK$145,715
+HK$7,297/mo
Deposit HK$11.09M · loan HK$25.88M · min. income ≈ HK$276,836/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,772
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$156,493
−HK$4,796/mo
Today · 4.125%
HK$161,289
baseline
▲ 0.50% · 4.625%
HK$171,103
+HK$9,814/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,578/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,844
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$173,373
−HK$4,594/mo
Today · 4.125%
HK$177,967
baseline
▲ 0.50% · 4.625%
HK$187,347
+HK$9,380/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,934/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,534 · Scale 2, in force from 26 Feb 2026)