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$84,234
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,854
−HK$2,662/mo
Today · 4.125%
HK$89,516
baseline
▲ 0.50% · 4.625%
HK$94,963
+HK$5,447/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$179,032/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,710
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,223
−HK$2,549/mo
Today · 4.125%
HK$98,772
baseline
▲ 0.50% · 4.625%
HK$103,979
+HK$5,207/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,544/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,081
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,225
−HK$3,195/mo
Today · 4.125%
HK$107,420
baseline
▲ 0.50% · 4.625%
HK$113,956
+HK$6,536/mo
Deposit HK$14.78M · loan HK$22.16M · min. income ≈ HK$214,840/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,452
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,467
−HK$3,060/mo
Today · 4.125%
HK$118,527
baseline
▲ 0.50% · 4.625%
HK$124,775
+HK$6,248/mo
Deposit HK$14.78M · loan HK$22.16M · min. income ≈ HK$237,054/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,928
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,596
−HK$3,727/mo
Today · 4.125%
HK$125,323
baseline
▲ 0.50% · 4.625%
HK$132,948
+HK$7,625/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$250,646/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,193
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,712
−HK$3,569/mo
Today · 4.125%
HK$138,281
baseline
▲ 0.50% · 4.625%
HK$145,570
+HK$7,289/mo
Deposit HK$11.08M · loan HK$25.86M · min. income ≈ HK$276,562/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,621
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$156,338
−HK$4,791/mo
Today · 4.125%
HK$161,129
baseline
▲ 0.50% · 4.625%
HK$170,934
+HK$9,805/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$322,258/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,677
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$173,201
−HK$4,589/mo
Today · 4.125%
HK$177,790
baseline
▲ 0.50% · 4.625%
HK$187,162
+HK$9,372/mo
Deposit HK$3.69M · loan HK$33.25M · min. income ≈ HK$355,580/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,977 · Scale 2, in force from 26 Feb 2026)