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$83,898
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,508
−HK$2,652/mo
Today · 4.125%
HK$89,160
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$5,425/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,320/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,336
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,839
−HK$2,540/mo
Today · 4.125%
HK$98,379
baseline
▲ 0.50% · 4.625%
HK$103,565
+HK$5,186/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,758/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,678
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,810
−HK$3,182/mo
Today · 4.125%
HK$106,992
baseline
▲ 0.50% · 4.625%
HK$113,502
+HK$6,510/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$213,984/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,003
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,007
−HK$3,048/mo
Today · 4.125%
HK$118,055
baseline
▲ 0.50% · 4.625%
HK$124,277
+HK$6,222/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,110/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,458
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,111
−HK$3,712/mo
Today · 4.125%
HK$124,823
baseline
▲ 0.50% · 4.625%
HK$132,419
+HK$7,596/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,646/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,671
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,175
−HK$3,555/mo
Today · 4.125%
HK$137,730
baseline
▲ 0.50% · 4.625%
HK$144,990
+HK$7,260/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,460/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,017
−HK$9,470/mo
▼ 0.25% · 3.875%
HK$155,715
−HK$4,772/mo
Today · 4.125%
HK$160,487
baseline
▲ 0.50% · 4.625%
HK$170,253
+HK$9,766/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$320,974/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,005
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$172,511
−HK$4,571/mo
Today · 4.125%
HK$177,082
baseline
▲ 0.50% · 4.625%
HK$186,416
+HK$9,334/mo
Deposit HK$3.68M · loan HK$33.11M · min. income ≈ HK$354,164/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,563,721 · Scale 2, in force from 26 Feb 2026)