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$83,978
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,590
−HK$2,654/mo
Today · 4.125%
HK$89,244
baseline
▲ 0.50% · 4.625%
HK$94,674
+HK$5,430/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,488/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,424
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,930
−HK$2,542/mo
Today · 4.125%
HK$98,472
baseline
▲ 0.50% · 4.625%
HK$103,662
+HK$5,190/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,944/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,773
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,908
−HK$3,185/mo
Today · 4.125%
HK$107,093
baseline
▲ 0.50% · 4.625%
HK$113,609
+HK$6,516/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$214,186/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,109
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,116
−HK$3,050/mo
Today · 4.125%
HK$118,166
baseline
▲ 0.50% · 4.625%
HK$124,395
+HK$6,229/mo
Deposit HK$14.73M · loan HK$22.10M · min. income ≈ HK$236,332/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,569
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,226
−HK$3,716/mo
Today · 4.125%
HK$124,942
baseline
▲ 0.50% · 4.625%
HK$132,544
+HK$7,602/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$249,884/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,794
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,302
−HK$3,559/mo
Today · 4.125%
HK$137,861
baseline
▲ 0.50% · 4.625%
HK$145,127
+HK$7,266/mo
Deposit HK$11.05M · loan HK$25.78M · min. income ≈ HK$275,722/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,160
−HK$9,479/mo
▼ 0.25% · 3.875%
HK$155,862
−HK$4,777/mo
Today · 4.125%
HK$160,639
baseline
▲ 0.50% · 4.625%
HK$170,414
+HK$9,775/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$321,278/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,164
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$172,674
−HK$4,575/mo
Today · 4.125%
HK$177,249
baseline
▲ 0.50% · 4.625%
HK$186,592
+HK$9,343/mo
Deposit HK$3.68M · loan HK$33.15M · min. income ≈ HK$354,498/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,565,200 · Scale 2, in force from 26 Feb 2026)